<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> MAR-31-1998 <CASH> 374,309 <INT-BEARING-DEPOSITS> 275 <FED-FUNDS-SOLD> 280,000 <TRADING-ASSETS> 29,484 <INVESTMENTS-HELD-FOR-SALE> 606,313 <INVESTMENTS-CARRYING> 219,395 <INVESTMENTS-MARKET> 220,785 <LOANS> 4,052,046 <ALLOWANCE> 137,043 <TOTAL-ASSETS> 5,702,122 <DEPOSITS> 4,370,083 <SHORT-TERM> 537,244 <LIABILITIES-OTHER> 57,752 <LONG-TERM> 199,004 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 46,832 <OTHER-SE> 491,207 <TOTAL-LIABILITIES-AND-EQUITY> 5,702,122 <INTEREST-LOAN> 90,074 <INTEREST-INVEST> 12,266 <INTEREST-OTHER> 1,108 <INTEREST-TOTAL> 103,448 <INTEREST-DEPOSIT> 20,832 <INTEREST-EXPENSE> 30,624 <INTEREST-INCOME-NET> 72,824 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 974 <EXPENSE-OTHER> 54,366 <INCOME-PRETAX> 34,823 <INCOME-PRE-EXTRAORDINARY> 34,823 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 22,469 <EPS-PRIMARY> 0.48 <EPS-DILUTED> 0.46 <YIELD-ACTUAL> 8.55 <LOANS-NON> 36,775 <LOANS-PAST> 10,015 <LOANS-TROUBLED> 2,813 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 140,508<F1> <CHARGE-OFFS> 7,759 <RECOVERIES> 4,294 <ALLOWANCE-CLOSE> 137,043 <ALLOWANCE-DOMESTIC> 137,043 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0 <FN> <F1>ADJUSTED FOR ACQUISITION OF HARBOR BANK </FN>