<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 1998 
ANNUAL REPORT ON FORM 10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO 
SUCH FINANCIAL STATEMENTS.
</LEGEND>
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                          59,975
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                43,600
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    255,483
<INVESTMENTS-CARRYING>                          81,157
<INVESTMENTS-MARKET>                            81,717
<LOANS>                                      1,005,791
<ALLOWANCE>                                    (21,304)
<TOTAL-ASSETS>                               1,582,865
<DEPOSITS>                                   1,342,492
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             94,697
<LONG-TERM>                                     53,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        57,283
<OTHER-SE>                                      35,393
<TOTAL-LIABILITIES-AND-EQUITY>               1,582,865
<INTEREST-LOAN>                                 83,650
<INTEREST-INVEST>                               19,218
<INTEREST-OTHER>                                10,052
<INTEREST-TOTAL>                               112,920
<INTEREST-DEPOSIT>                              39,398
<INTEREST-EXPENSE>                              47,472
<INTEREST-INCOME-NET>                           65,448
<LOAN-LOSSES>                                    6,035
<SECURITIES-GAINS>                                 374
<EXPENSE-OTHER>                                 42,714
<INCOME-PRETAX>                                 23,954
<INCOME-PRE-EXTRAORDINARY>                      23,954
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    16,578
<EPS-PRIMARY>                                     1.75
<EPS-DILUTED>                                     1.62
<YIELD-ACTUAL>                                    4.25
<LOANS-NON>                                      1,858
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   327
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                16,394
<CHARGE-OFFS>                                   (1,420)
<RECOVERIES>                                       112
<ALLOWANCE-CLOSE>                               21,304
<ALLOWANCE-DOMESTIC>                            21,304
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0