<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> MAR-31-1998 <CASH> 81,129,000 <INT-BEARING-DEPOSITS> 154,000 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 269,152,000 <INVESTMENTS-CARRYING> 167,695,000 <INVESTMENTS-MARKET> 169,819,000 <LOANS> 2,180,902,000 <ALLOWANCE> 25,537,000 <TOTAL-ASSETS> 2,781,491,000 <DEPOSITS> 2,110,452,000 <SHORT-TERM> 155,731,000 <LIABILITIES-OTHER> 41,805,000 <LONG-TERM> 188,785,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 76,476,000 <OTHER-SE> 208,242,000 <TOTAL-LIABILITIES-AND-EQUITY> 2,781,491,000 <INTEREST-LOAN> 45,249,000 <INTEREST-INVEST> 7,219,000 <INTEREST-OTHER> 36,000 <INTEREST-TOTAL> 52,504,000 <INTEREST-DEPOSIT> 20,296,000 <INTEREST-EXPENSE> 23,792,000 <INTEREST-INCOME-NET> 28,712,000 <LOAN-LOSSES> 2,050,000 <SECURITIES-GAINS> 2,487,000 <EXPENSE-OTHER> 17,302,000 <INCOME-PRETAX> 16,867,000 <INCOME-PRE-EXTRAORDINARY> 10,962,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 10,962,000 <EPS-PRIMARY> 0.37 <EPS-DILUTED> 0.36 <YIELD-ACTUAL> 4.72 <LOANS-NON> 6,655,000 <LOANS-PAST> 8,783,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 24,786,000 <CHARGE-OFFS> 1,397,000 <RECOVERIES> 98,000 <ALLOWANCE-CLOSE> 25,537,000 <ALLOWANCE-DOMESTIC> 8,775,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 16,762,000