<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> DEC-31-1998 <CASH> 84,578 <INT-BEARING-DEPOSITS> 5,100 <FED-FUNDS-SOLD> 45,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 503,699 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 1,400,103 <ALLOWANCE> (24,510) <TOTAL-ASSETS> 2,122,019 <DEPOSITS> 1,890,755 <SHORT-TERM> 23,369 <LIABILITIES-OTHER> 32,748 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 15,930 <OTHER-SE> 159,217 <TOTAL-LIABILITIES-AND-EQUITY> 2,122,019 <INTEREST-LOAN> 122,626 <INTEREST-INVEST> 26,897 <INTEREST-OTHER> 1,988 <INTEREST-TOTAL> 151,511 <INTEREST-DEPOSIT> 58,276 <INTEREST-EXPENSE> 60,508 <INTEREST-INCOME-NET> 91,003 <LOAN-LOSSES> 5,100 <SECURITIES-GAINS> (81) <EXPENSE-OTHER> 71,767 <INCOME-PRETAX> 46,538 <INCOME-PRE-EXTRAORDINARY> 46,538 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 30,665 <EPS-PRIMARY> 2.14 <EPS-DILUTED> 2.09 <YIELD-ACTUAL> 4.83 <LOANS-NON> 10,011 <LOANS-PAST> 2,267 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 26,721 <CHARGE-OFFS> 9,459 <RECOVERIES> 2,148 <ALLOWANCE-CLOSE> 24,510 <ALLOWANCE-DOMESTIC> 24,510 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0