<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