<ARTICLE>                     9
<MULTIPLIER>                  1000
<CURRENCY>                    U.S. Dollars
       
                                            
<PERIOD-TYPE>                       3-MOS         12-MOS
<FISCAL-YEAR-END>                   JAN-01-1998   JAN-01-1998   
<PERIOD-START>                      OCT-01-1998   JAN-01-1998 
<PERIOD-END>                        DEC-31-1998   DEC-31-1998
<EXCHANGE-RATE>                           1.0           1.0
<CASH>                                102,516       102,516
<INT-BEARING-DEPOSITS>                 54,988        54,988
<FED-FUNDS-SOLD>                        5,000         5,000
<TRADING-ASSETS>                        3,543         3,543
<INVESTMENTS-HELD-FOR-SALE>           395,140       395,140
<INVESTMENTS-CARRYING>                 49,347        49,347
<INVESTMENTS-MARKET>                   50,192        50,192
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<ALLOWANCE>                            17,509        17,509
<TOTAL-ASSETS>                      2,725,934     2,725,934
<DEPOSITS>                          2,125,236     2,125,236
<SHORT-TERM>                          155,823       155,823
<LIABILITIES-OTHER>                    37,431        37,431
<LONG-TERM>                            63,081        63,081
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<PREFERRED>                                 0             0
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<OTHER-SE>                            322,358       322,358
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<INTEREST-LOAN>                        42,013       151,989
<INTEREST-INVEST>                       6,214        23,159
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<INTEREST-TOTAL>                       50,010       180,876
<INTEREST-DEPOSIT>                     21,972        81,434
<INTEREST-EXPENSE>                     24,909        91,740
<INTEREST-INCOME-NET>                  25,101        89,136
<LOAN-LOSSES>                           2,443        11,129
<SECURITIES-GAINS>                        129           580
<EXPENSE-OTHER>                        18,847        64,844
<INCOME-PRETAX>                        10,489        35,694
<INCOME-PRE-EXTRAORDINARY>              6,574        22,443
<EXTRAORDINARY>                             0             0
<CHANGES>                                   0             0
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<EPS-PRIMARY>                            0.30          1.21
<EPS-DILUTED>                            0.30          1.19
<YIELD-ACTUAL>                           9.13          9.30
<LOANS-NON>                               753           753
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<RECOVERIES>                               62         1,122
<ALLOWANCE-CLOSE>                      17,509        17,509
<ALLOWANCE-DOMESTIC>                   17,509        17,509 
<ALLOWANCE-FOREIGN>                         0             0
<ALLOWANCE-UNALLOCATED>                     0             0