<ARTICLE> 9
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<PERIOD-TYPE>                   3-MOS                  3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1998
<PERIOD-START>                             OCT-01-1998             JUL-01-1998
<PERIOD-END>                               DEC-31-1998             SEP-30-1998
<CASH>                                          89,759                  89,458
<INT-BEARING-DEPOSITS>                               0                       0
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<LOANS>                                      1,325,383               1,133,049
<ALLOWANCE>                                    (25,960)                (24,230)
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<INTEREST-LOAN>                                 29,764                  28,633
<INTEREST-INVEST>                                6,144                   6,544
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<INTEREST-TOTAL>                                38,865                  38,529
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<INTEREST-INCOME-NET>                           23,343                  22,519
<LOAN-LOSSES>                                    2,126                   2,212
<SECURITIES-GAINS>                                 336                      14
<EXPENSE-OTHER>                                 15,359                  13,815
<INCOME-PRETAX>                                  9,571                   8,547
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<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     6,529                   5,706
<EPS-BASIC>                                       0.51                    0.44
<EPS-DILUTED>                                     0.47                    0.47
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<LOANS-PAST>                                         0                      18
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<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                               (24,230)                (21,784)
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<ALLOWANCE-CLOSE>                              (25,960)                (24,230)
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<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0