<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
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<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
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<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
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<EPS-PRIMARY>                                     0.88
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<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
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