<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>