<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1998 <PERIOD-START> JAN-01-1998 <PERIOD-END> SEP-30-1998 <CASH> 84,776 <INT-BEARING-DEPOSITS> 858,763 <FED-FUNDS-SOLD> 29,865 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 457,665 <INVESTMENTS-CARRYING> 51,494 <INVESTMENTS-MARKET> 52,411 <LOANS> 530,319 <ALLOWANCE> 13,257 <TOTAL-ASSETS> 1,215,601 <DEPOSITS> 1,078,670 <SHORT-TERM> 4,482 <LIABILITIES-OTHER> 5,961 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 120,288 <OTHER-SE> 6,200 <TOTAL-LIABILITIES-AND-EQUITY> 1,215,601 <INTEREST-LOAN> 41,572 <INTEREST-INVEST> 21,897 <INTEREST-OTHER> 1,706 <INTEREST-TOTAL> 65,175 <INTEREST-DEPOSIT> 19,447 <INTEREST-EXPENSE> 19,703 <INTEREST-INCOME-NET> 45,472 <LOAN-LOSSES> 300 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 42,819 <INCOME-PRETAX> 15,468 <INCOME-PRE-EXTRAORDINARY> 8,831 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 8,831 <EPS-PRIMARY> 0.88 <EPS-DILUTED> 0.87 <YIELD-ACTUAL> 5.74 <LOANS-NON> 1,283 <LOANS-PAST> 2,286 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 13,365 <CHARGE-OFFS> 1,014 <RECOVERIES> 606 <ALLOWANCE-CLOSE> 13,257 <ALLOWANCE-DOMESTIC> 13,257 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0