<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-END> DEC-31-1998 <CASH> 128,868 <INT-BEARING-DEPOSITS> 3,692 <FED-FUNDS-SOLD> 33,075 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 447,005 <INVESTMENTS-CARRYING> 89,644 <INVESTMENTS-MARKET> 90,412 <LOANS> 2,329,819 <ALLOWANCE> 30,985 <TOTAL-ASSETS> 3,250,695 <DEPOSITS> 2,708,572 <SHORT-TERM> 150,981 <LIABILITIES-OTHER> 49,492 <LONG-TERM> 69,492 <PREFERRED-MANDATORY> 0 <PREFERRED> 2,380 <COMMON> 36,149 <OTHER-SE> 233,629 <TOTAL-LIABILITIES-AND-EQUITY> 3,250,695 <INTEREST-LOAN> 50,789 <INTEREST-INVEST> 8,592 <INTEREST-OTHER> 561 <INTEREST-TOTAL> 59,942 <INTEREST-DEPOSIT> 22,973 <INTEREST-EXPENSE> 25,910 <INTEREST-INCOME-NET> 34,032 <LOAN-LOSSES> 1,977 <SECURITIES-GAINS> 249 <EXPENSE-OTHER> 27,998 <INCOME-PRETAX> 13,003 <INCOME-PRE-EXTRAORDINARY> 13,003 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 8,662 <EPS-PRIMARY> .48 <EPS-DILUTED> .46 <YIELD-ACTUAL> 4.71 <LOANS-NON> 12,103 <LOANS-PAST> 2,891 <LOANS-TROUBLED> 1,770 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 31,522 <CHARGE-OFFS> 2,769 <RECOVERIES> 255 <ALLOWANCE-CLOSE> 30,985 <ALLOWANCE-DOMESTIC> 30,985 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0