<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> DEC-31-1998 <CASH> 156,524 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 12 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 1,979,115 <INVESTMENTS-CARRYING> 48,964 <INVESTMENTS-MARKET> 50,794 <LOANS> 2,664,417 <ALLOWANCE> (43,290) <TOTAL-ASSETS> 5,192,887 <DEPOSITS> 4,050,451 <SHORT-TERM> 623,899 <LIABILITIES-OTHER> 17,245 <LONG-TERM> 0 <COMMON> 290 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 452,608 <TOTAL-LIABILITIES-AND-EQUITY> 5,192,887 <INTEREST-LOAN> 259,495 <INTEREST-INVEST> 98,881 <INTEREST-OTHER> 6,221 <INTEREST-TOTAL> 364,597 <INTEREST-DEPOSIT> 146,212 <INTEREST-EXPENSE> 177,016 <INTEREST-INCOME-NET> 187,581 <LOAN-LOSSES> 5,542 <SECURITIES-GAINS> 1,657 <EXPENSE-OTHER> 158,802 <INCOME-PRETAX> 78,699 <INCOME-PRE-EXTRAORDINARY> 78,699 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 54,704 <EPS-PRIMARY> 1.87 <EPS-DILUTED> 1.84 <YIELD-ACTUAL> 4.21 <LOANS-NON> 20,638 <LOANS-PAST> 5,342 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 27,026 <ALLOWANCE-OPEN> 46,965 <CHARGE-OFFS> 12,955 <RECOVERIES> 3,738 <ALLOWANCE-CLOSE> 43,290 <ALLOWANCE-DOMESTIC> 23,280 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 20,010