<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> SEP-30-1998 <CASH> 89,694 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 595,808 <INVESTMENTS-CARRYING> 6,764 <INVESTMENTS-MARKET> 7,062 <LOANS> 1,626,040 <ALLOWANCE> 38,138 <TOTAL-ASSETS> 2,386,470 <DEPOSITS> 1,872,250 <SHORT-TERM> 241,620 <LIABILITIES-OTHER> 23,424 <LONG-TERM> 14,314 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 68,396 <OTHER-SE> 166,466 <TOTAL-LIABILITIES-AND-EQUITY> 2,386,470 <INTEREST-LOAN> 110,464 <INTEREST-INVEST> 28,341 <INTEREST-OTHER> 144 <INTEREST-TOTAL> 138,949 <INTEREST-DEPOSIT> 51,566 <INTEREST-EXPENSE> 58,928 <INTEREST-INCOME-NET> 80,021 <LOAN-LOSSES> 5,022 <SECURITIES-GAINS> 97 <EXPENSE-OTHER> 46,041 <INCOME-PRETAX> 46,681 <INCOME-PRE-EXTRAORDINARY> 32,298 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 32,298 <EPS-PRIMARY> 3.45 <EPS-DILUTED> 3.44 <YIELD-ACTUAL> 5.06 <LOANS-NON> 2,655 <LOANS-PAST> 2,993 <LOANS-TROUBLED> 576 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 35,595 <CHARGE-OFFS> 4,945 <RECOVERIES> 2,446 <ALLOWANCE-CLOSE> 38,138 <ALLOWANCE-DOMESTIC> 38,138 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0