<ARTICLE>                      9
<MULTIPLIER>                   1,000
       
                                    
<PERIOD-TYPE>                          9-MOS
<FISCAL-YEAR-END>                                               DEC-31-1998
<PERIOD-END>                                                    SEP-30-1998
<CASH>                                                               57,081
<INT-BEARING-DEPOSITS>                                                    0
<FED-FUNDS-SOLD>                                                          0
<TRADING-ASSETS>                                                          0
<INVESTMENTS-HELD-FOR-SALE>                                         593,085
<INVESTMENTS-CARRYING>                                                9,040
<INVESTMENTS-MARKET>                                                  9,116
<LOANS>                                                             909,448
<ALLOWANCE>                                                          12,441
<TOTAL-ASSETS>                                                    1,659,357
<DEPOSITS>                                                        1,402,905
<SHORT-TERM>                                                          2,000
<LIABILITIES-OTHER>                                                  17,048
<LONG-TERM>                                                          80,000
<COMMON>                                                              7,622
<PREFERRED-MANDATORY>                                                29,809
<PREFERRED>                                                               0
<OTHER-SE>                                                          119,975
<TOTAL-LIABILITIES-AND-EQUITY>                                    1,659,357
<INTEREST-LOAN>                                                      61,552
<INTEREST-INVEST>                                                    31,568
<INTEREST-OTHER>                                                        278
<INTEREST-TOTAL>                                                     93,398
<INTEREST-DEPOSIT>                                                   38,063
<INTEREST-EXPENSE>                                                   44,793
<INTEREST-INCOME-NET>                                                48,604
<LOAN-LOSSES>                                                         3,851
<SECURITIES-GAINS>                                                    1,398
<EXPENSE-OTHER>                                                      38,818
<INCOME-PRETAX>                                                      18,499
<INCOME-PRE-EXTRAORDINARY>                                           11,762
<EXTRAORDINARY>                                                           0
<CHANGES>                                                               194
<NET-INCOME>                                                         11,956
<EPS-PRIMARY>                                                          1.57
<EPS-DILUTED>                                                          1.54
<YIELD-ACTUAL>                                                            0
<LOANS-NON>                                                               0
<LOANS-PAST>                                                              0
<LOANS-TROUBLED>                                                          0
<LOANS-PROBLEM>                                                           0
<ALLOWANCE-OPEN>                                                          0
<CHARGE-OFFS>                                                             0
<RECOVERIES>                                                              0
<ALLOWANCE-CLOSE>                                                         0
<ALLOWANCE-DOMESTIC>                                                      0
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                                   0