<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>