<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S CONSOLIDATED CONDENSED BALANCE SHEET AND STATEMENT OF INCOME FOR
THE THREE MONTHS ENDED SEPTEMBER 30, 1998 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1997
<PERIOD-START>                             JUL-01-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                          30,147
<INT-BEARING-DEPOSITS>                          17,745
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    363,983
<INVESTMENTS-CARRYING>                          78,115
<INVESTMENTS-MARKET>                            54,180
<LOANS>                                      1,331,439
<ALLOWANCE>                                      9,801
<TOTAL-ASSETS>                               1,982,948
<DEPOSITS>                                   1,318,150
<SHORT-TERM>                                   109,531
<LIABILITIES-OTHER>                             39,507
<LONG-TERM>                                    304,581
<PREFERRED-MANDATORY>                           50,000
<PREFERRED>                                      9,671
<COMMON>                                        11,802
<OTHER-SE>                                     139,706
<TOTAL-LIABILITIES-AND-EQUITY>               1,982,948
<INTEREST-LOAN>                                 27,994
<INTEREST-INVEST>                                7,156
<INTEREST-OTHER>                                   298
<INTEREST-TOTAL>                                35,448
<INTEREST-DEPOSIT>                              15,140
<INTEREST-EXPENSE>                              22,584
<INTEREST-INCOME-NET>                           12,864
<LOAN-LOSSES>                                      706
<SECURITIES-GAINS>                                 360
<EXPENSE-OTHER>                                 12,885
<INCOME-PRETAX>                                  8,552
<INCOME-PRE-EXTRAORDINARY>                       5,572
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,572
<EPS-PRIMARY>                                     0.46
<EPS-DILUTED>                                     0.43
<YIELD-ACTUAL>                                    2.84
<LOANS-NON>                                      8,324
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                10,191
<CHARGE-OFFS>                                    1,163
<RECOVERIES>                                        67
<ALLOWANCE-CLOSE>                                9,801
<ALLOWANCE-DOMESTIC>                             9,801
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0