<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                          92,026
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    603,806
<INVESTMENTS-CARRYING>                           6,820
<INVESTMENTS-MARKET>                             7,124
<LOANS>                                      1,608,382
<ALLOWANCE>                                     38,279
<TOTAL-ASSETS>                               2,381,721
<DEPOSITS>                                   1,877,591
<SHORT-TERM>                                   242,351
<LIABILITIES-OTHER>                             20,087
<LONG-TERM>                                     14,561
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        68,364
<OTHER-SE>                                     158,767
<TOTAL-LIABILITIES-AND-EQUITY>               2,381,721
<INTEREST-LOAN>                                 73,309
<INTEREST-INVEST>                               18,572
<INTEREST-OTHER>                                   129
<INTEREST-TOTAL>                                92,010
<INTEREST-DEPOSIT>                              34,272
<INTEREST-EXPENSE>                              38,839
<INTEREST-INCOME-NET>                           53,171
<LOAN-LOSSES>                                    3,348
<SECURITIES-GAINS>                                  97
<EXPENSE-OTHER>                                 30,629
<INCOME-PRETAX>                                 31,120
<INCOME-PRE-EXTRAORDINARY>                      21,532
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    21,532
<EPS-PRIMARY>                                     2.30
<EPS-DILUTED>                                     2.29
<YIELD-ACTUAL>                                    5.11
<LOANS-NON>                                      2,385
<LOANS-PAST>                                     2,402
<LOANS-TROUBLED>                                   465
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                35,595
<CHARGE-OFFS>                                    2,661
<RECOVERIES>                                     1,997
<ALLOWANCE-CLOSE>                               38,279
<ALLOWANCE-DOMESTIC>                            38,279
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0