<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                         132,514
<INT-BEARING-DEPOSITS>                           1,951
<FED-FUNDS-SOLD>                                40,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    443,691
<INVESTMENTS-CARRYING>                          96,008
<INVESTMENTS-MARKET>                            99,734
<LOANS>                                      1,881,696
<ALLOWANCE>                                     40,929
<TOTAL-ASSETS>                               2,732,021
<DEPOSITS>                                   2,177,107
<SHORT-TERM>                                   242,159
<LIABILITIES-OTHER>                             38,957
<LONG-TERM>                                     57,939
<PREFERRED-MANDATORY>                            6,270
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                     209,589
<TOTAL-LIABILITIES-AND-EQUITY>               2,732,021
<INTEREST-LOAN>                                168,462
<INTEREST-INVEST>                               25,338
<INTEREST-OTHER>                                 2,348
<INTEREST-TOTAL>                               196,148
<INTEREST-DEPOSIT>                              86,264
<INTEREST-EXPENSE>                             102,227
<INTEREST-INCOME-NET>                           93,921
<LOAN-LOSSES>                                    9,156
<SECURITIES-GAINS>                               (612)
<EXPENSE-OTHER>                                 85,500
<INCOME-PRETAX>                                 50,786
<INCOME-PRE-EXTRAORDINARY>                      31,020
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    31,020
<EPS-PRIMARY>                                     1.63
<EPS-DILUTED>                                     1.60
<YIELD-ACTUAL>                                    4.16
<LOANS-NON>                                      9,266
<LOANS-PAST>                                       275
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                35,424
<CHARGE-OFFS>                                    4,799
<RECOVERIES>                                   (1,148)
<ALLOWANCE-CLOSE>                               40,929
<ALLOWANCE-DOMESTIC>                            18,513
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         22,416