<ARTICLE> 9
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<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1998
<PERIOD-START>                             JUL-01-1998             OCT-01-1998
<PERIOD-END>                               SEP-30-1998             DEC-31-1998
<CASH>                                         105,745                 112,843
<INT-BEARING-DEPOSITS>                               0                       0
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<TRADING-ASSETS>                                     0                       0
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<ALLOWANCE>                                   (28,006)                (29,831)
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<SHORT-TERM>                                   104,110                  93,845
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<INTEREST-LOAN>                                 32,759                  34,160
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<INTEREST-TOTAL>                                44,748                  45,268
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<INTEREST-INCOME-NET>                           26,909                  27,991
<LOAN-LOSSES>                                    2,287                   2,201
<SECURITIES-GAINS>                                  15                     328
<EXPENSE-OTHER>                                 17,680                  18,804
<INCOME-PRETAX>                                 11,235                  12,133
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<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     7,274                   8,010
<EPS-BASIC>                                       0.46                    0.50
<EPS-DILUTED>                                     0.42                    0.47
<YIELD-ACTUAL>                                    5.19                    5.13
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<LOANS-PROBLEM>                                      0                       0
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<CHARGE-OFFS>                                    (193)                   (623)
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<ALLOWANCE-FOREIGN>                                  0                       0
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