<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE DECEMBER
31, 1998, CONSOLIDATED BALANCE SHEET, AND THE DECEMBER 31, 1998, CONSOLIDATED
STATEMENT OF EARNINGS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                         100,033
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    676,162
<INVESTMENTS-CARRYING>                          53,859
<INVESTMENTS-MARKET>                            55,912
<LOANS>                                        689,033
<ALLOWANCE>                                     13,364
<TOTAL-ASSETS>                               1,555,207
<DEPOSITS>                                   1,215,305
<SHORT-TERM>                                   200,000
<LIABILITIES-OTHER>                             23,793
<LONG-TERM>                                        402
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        94,529
<OTHER-SE>                                      21,178
<TOTAL-LIABILITIES-AND-EQUITY>               1,555,207
<INTEREST-LOAN>                                 60,207
<INTEREST-INVEST>                               36,154
<INTEREST-OTHER>                                   479
<INTEREST-TOTAL>                                96,840
<INTEREST-DEPOSIT>                              23,786
<INTEREST-EXPENSE>                              31,248
<INTEREST-INCOME-NET>                           65,592
<LOAN-LOSSES>                                    2,500
<SECURITIES-GAINS>                                 407
<EXPENSE-OTHER>                                 45,024
<INCOME-PRETAX>                                 33,043
<INCOME-PRE-EXTRAORDINARY>                      20,787
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    20,787
<EPS-PRIMARY>                                     1.26
<EPS-DILUTED>                                     1.21
<YIELD-ACTUAL>                                    5.38
<LOANS-NON>                                      7,218
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,342
<ALLOWANCE-OPEN>                                11,522
<CHARGE-OFFS>                                      942
<RECOVERIES>                                       284
<ALLOWANCE-CLOSE>                               13,364
<ALLOWANCE-DOMESTIC>                             7,440
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          5,924