<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               JUN-30-1998
<CASH>                                         401,092
<INT-BEARING-DEPOSITS>                             255
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                48,793
<INVESTMENTS-HELD-FOR-SALE>                    598,719
<INVESTMENTS-CARRYING>                         202,477
<INVESTMENTS-MARKET>                           204,102
<LOANS>                                      4,228,226
<ALLOWANCE>                                    135,837
<TOTAL-ASSETS>                               5,627,834
<DEPOSITS>                                   4,386,255
<SHORT-TERM>                                   386,715
<LIABILITIES-OTHER>                             69,422
<LONG-TERM>                                    249,030
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        46,885
<OTHER-SE>                                     489,527
<TOTAL-LIABILITIES-AND-EQUITY>               5,627,834
<INTEREST-LOAN>                                179,705
<INTEREST-INVEST>                               24,420
<INTEREST-OTHER>                                 2,682
<INTEREST-TOTAL>                               206,807
<INTEREST-DEPOSIT>                              42,325
<INTEREST-EXPENSE>                              61,711
<INTEREST-INCOME-NET>                          145,096
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                               1,209
<EXPENSE-OTHER>                                107,339
<INCOME-PRETAX>                                 71,468
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    46,105
<EPS-PRIMARY>                                      .99
<EPS-DILUTED>                                      .95
<YIELD-ACTUAL>                                    8.60 
<LOANS-NON>                                     33,154
<LOANS-PAST>                                     5,999
<LOANS-TROUBLED>                                 2,868
<LOANS-PROBLEM>                                  2,841
<ALLOWANCE-OPEN>                               140,509<F1>
<CHARGE-OFFS>                                   11,842
<RECOVERIES>                                     7,170
<ALLOWANCE-CLOSE>                              135,837
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Adjusted for acquisition of Harbor Bank.
</FN>