<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                         102,625
<INT-BEARING-DEPOSITS>                          14,491
<FED-FUNDS-SOLD>                                 7,405
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    611,879
<INVESTMENTS-CARRYING>                         312,773
<INVESTMENTS-MARKET>                           317,282
<LOANS>                                      4,590,977
<ALLOWANCE>                                     40,470
<TOTAL-ASSETS>                               5,948,227
<DEPOSITS>                                   3,843,623
<SHORT-TERM>                                   676,490
<LIABILITIES-OTHER>                            109,993
<LONG-TERM>                                    816,693
<PREFERRED-MANDATORY>                              416
<PREFERRED>                                          0
<COMMON>                                             0
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<TOTAL-LIABILITIES-AND-EQUITY>               5,948,227
<INTEREST-LOAN>                                211,800
<INTEREST-INVEST>                               53,806
<INTEREST-OTHER>                                 7,499
<INTEREST-TOTAL>                               273,105
<INTEREST-DEPOSIT>                             115,125
<INTEREST-EXPENSE>                             154,788
<INTEREST-INCOME-NET>                          118,317
<LOAN-LOSSES>                                    1,860
<SECURITIES-GAINS>                                 149
<EXPENSE-OTHER>                                134,781
<INCOME-PRETAX>                                 24,492
<INCOME-PRE-EXTRAORDINARY>                      15,522
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
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<EPS-PRIMARY>                                     0.39
<EPS-DILUTED>                                     0.37
<YIELD-ACTUAL>                                    3.10
<LOANS-NON>                                     11,773
<LOANS-PAST>                                     3,539
<LOANS-TROUBLED>                                   257
<LOANS-PROBLEM>                                  9,849
<ALLOWANCE-OPEN>                                38,569
<CHARGE-OFFS>                                    1,032
<RECOVERIES>                                     1,073
<ALLOWANCE-CLOSE>                               40,470
<ALLOWANCE-DOMESTIC>                            40,470
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0