<ARTICLE>                                            9
       
                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                              DEC-31-1998         
<PERIOD-START>                                 JAN-01-1998   
<PERIOD-END>                                   DEC-31-1998
<CASH>                                         250,922
<INT-BEARING-DEPOSITS>                         59,529
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<TRADING-ASSETS>                               0
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<ALLOWANCE>                                    73,182
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<DEPOSITS>                                     6,459,764
<SHORT-TERM>                                   288,256
<LIABILITIES-OTHER>                            87,744
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<INTEREST-OTHER>                               18,151
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<INTEREST-DEPOSIT>                             232,609
<INTEREST-EXPENSE>                             254,562
<INTEREST-INCOME-NET>                          322,745
<LOAN-LOSSES>                                  15,884
<SECURITIES-GAINS>                             2,178
<EXPENSE-OTHER>                                230,217
<INCOME-PRETAX>                                189,844
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<CHARGE-OFFS>                                  12,909
<RECOVERIES>                                   2,613
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<ALLOWANCE-DOMESTIC>                           73,182
<ALLOWANCE-FOREIGN>                            0
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