<ARTICLE> 9
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   3-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1998
<PERIOD-START>                             JUL-01-1998             JAN-01-1998
<PERIOD-END>                               SEP-30-1998             SEP-30-1998
<CASH>                                         166,854                 166,854
<INT-BEARING-DEPOSITS>                              64                      64
<FED-FUNDS-SOLD>                                 2,358                   2,358
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                    616,152                 616,152
<INVESTMENTS-CARRYING>                               0                       0
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                      3,539,287               3,539,287
<ALLOWANCE>                                     47,136                  47,136
<TOTAL-ASSETS>                               4,462,543               4,462,543
<DEPOSITS>                                   3,647,756               3,647,756
<SHORT-TERM>                                   187,501                 187,501
<LIABILITIES-OTHER>                             51,320                  51,320
<LONG-TERM>                                    141,168                 141,168
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                       118,488                 118,488
<OTHER-SE>                                     316,310                 316,310
<TOTAL-LIABILITIES-AND-EQUITY>               4,462,543               4,462,543
<INTEREST-LOAN>                                 75,848                 226,988
<INTEREST-INVEST>                                9,607                  29,144
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                                85,455                 256,132
<INTEREST-DEPOSIT>                              31,951                  97,151
<INTEREST-EXPENSE>                              35,419                 107,858
<INTEREST-INCOME-NET>                           50,036                 148,274
<LOAN-LOSSES>                                    3,510                  10,530
<SECURITIES-GAINS>                                  49                     103
<EXPENSE-OTHER>                                 40,269                 119,160
<INCOME-PRETAX>                                 20,995                  60,280
<INCOME-PRE-EXTRAORDINARY>                      14,589                  41,794
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                    14,589                  41,794
<EPS-PRIMARY>                                      .52                    1.49
<EPS-DILUTED>                                      .50                    1.45
<YIELD-ACTUAL>                                    4.98                    4.92
<LOANS-NON>                                     24,340                  24,340
<LOANS-PAST>                                       908                     908
<LOANS-TROUBLED>                                   134                     134
<LOANS-PROBLEM>                                 22,300                  22,300
<ALLOWANCE-OPEN>                                46,956                  45,911
<CHARGE-OFFS>                                    4,127                  11,940
<RECOVERIES>                                       797                   2,635
<ALLOWANCE-CLOSE>                               47,136                  47,136
<ALLOWANCE-DOMESTIC>                            29,990                  29,990
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                         17,146                  17,146