<ARTICLE> 9
<MULTIPLIER> 1,000
       
                                                  
<PERIOD-TYPE>                   YEAR                     3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1998
<PERIOD-START>                              JAN-1-1998              OCT-1-1998
<PERIOD-END>                               DEC-31-1998             DEC-31-1998
<CASH>                                         140,543                 140,543
<INT-BEARING-DEPOSITS>                             304                     304
<FED-FUNDS-SOLD>                                25,935                  25,935
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                    613,529                 613,529
<INVESTMENTS-CARRYING>                               0                       0
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                      3,584,511               3,584,511
<ALLOWANCE>                                     46,449                  46,449
<TOTAL-ASSETS>                               4,501,409               4,501,409
<DEPOSITS>                                   3,764,356               3,764,356
<SHORT-TERM>                                   124,307                 124,307
<LIABILITIES-OTHER>                             40,727                  40,727
<LONG-TERM>                                    130,937                 130,937
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                       117,525                 117,525
<OTHER-SE>                                     323,557                 323,557
<TOTAL-LIABILITIES-AND-EQUITY>               4,501,409               4,501,409
<INTEREST-LOAN>                                301,138                  74,150
<INTEREST-INVEST>                               38,742                   9,598
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                               339,880                  83,748
<INTEREST-DEPOSIT>                             127,966                  30,815
<INTEREST-EXPENSE>                             142,034                  34,176
<INTEREST-INCOME-NET>                          197,846                  49,572
<LOAN-LOSSES>                                   14,090                   3,560
<SECURITIES-GAINS>                                 145                      42
<EXPENSE-OTHER>                                158,291                  39,131
<INCOME-PRETAX>                                 81,717                  21,437
<INCOME-PRE-EXTRAORDINARY>                      56,785                  14,991
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                    56,785                  14,991
<EPS-PRIMARY>                                     2.02                    0.53
<EPS-DILUTED>                                     1.98                    0.53
<YIELD-ACTUAL>                                    4.91                    4.92
<LOANS-NON>                                     21,791                  21,791
<LOANS-PAST>                                       801                     801
<LOANS-TROUBLED>                                   114                     114
<LOANS-PROBLEM>                                 14,500                  14,500
<ALLOWANCE-OPEN>                                45,911                  47,136
<CHARGE-OFFS>                                   17,379                   5,439
<RECOVERIES>                                     3,827                   1,192
<ALLOWANCE-CLOSE>                               46,449                  46,449
<ALLOWANCE-DOMESTIC>                            34,200                  34,200
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                         12,249                  12,249