<ARTICLE> 9
       
                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                         285,843
<INT-BEARING-DEPOSITS>                             524
<FED-FUNDS-SOLD>                               405,000
<TRADING-ASSETS>                                34,491
<INVESTMENTS-HELD-FOR-SALE>                  1,012,526
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      4,530,427
<ALLOWANCE>                                    135,339
<TOTAL-ASSETS>                               6,427,781
<DEPOSITS>                                   4,887,402
<SHORT-TERM>                                   593,312
<LIABILITIES-OTHER>                             61,999
<LONG-TERM>                                    200,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        46,885
<OTHER-SE>                                     514,918
<TOTAL-LIABILITIES-AND-EQUITY>               6,427,781
<INTEREST-LOAN>                                365,352
<INTEREST-INVEST>                               52,274
<INTEREST-OTHER>                                 6,323
<INTEREST-TOTAL>                               423,949
<INTEREST-DEPOSIT>                              87,237
<INTEREST-EXPENSE>                             130,278
<INTEREST-INCOME-NET>                          293,671
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                               3,072
<EXPENSE-OTHER>                                211,331
<INCOME-PRETAX>                                150,024
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    96,228
<EPS-PRIMARY>                                     2.08
<EPS-DILUTED>                                     2.00
<YIELD-ACTUAL>                                    8.38
<LOANS-NON>                                     23,138
<LOANS-PAST>                                     8,623
<LOANS-TROUBLED>                                 3,664
<LOANS-PROBLEM>                                  2,900
<ALLOWANCE-OPEN>                               140,509<F1>
<CHARGE-OFFS>                                   17,637
<RECOVERIES>                                    12,467
<ALLOWANCE-CLOSE>                              135,339
<ALLOWANCE-DOMESTIC>                           135,339
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>Adjusted for acquisition of Harbor Bank.
</FN>