<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                         175,354
<INT-BEARING-DEPOSITS>                           6,632
<FED-FUNDS-SOLD>                                     0
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<INVESTMENTS-HELD-FOR-SALE>                    549,767
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<INVESTMENTS-MARKET>                           549,767
<LOANS>                                      3,468,701
<ALLOWANCE>                                     49,618
<TOTAL-ASSETS>                               5,203,741
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<LIABILITIES-OTHER>                             62,589
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<INTEREST-LOAN>                                302,381
<INTEREST-INVEST>                               41,850
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<INTEREST-EXPENSE>                             187,412
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<LOAN-LOSSES>                                   15,014
<SECURITIES-GAINS>                                 867
<EXPENSE-OTHER>                                152,084
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<CHARGE-OFFS>                                   11,932
<RECOVERIES>                                     2,396
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