<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-START>                             JAN-01-1998
<PERIOD-END>                               DEC-31-1998
<CASH>                                         144,199
<INT-BEARING-DEPOSITS>                          13,397
<FED-FUNDS-SOLD>                                 9,427
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,327,532
<INVESTMENTS-CARRYING>                          16,142
<INVESTMENTS-MARKET>                            16,371
<LOANS>                                      2,498,354
<ALLOWANCE>                                   (26,403)
<TOTAL-ASSETS>                               4,147,833
<DEPOSITS>                                   2,947,724
<SHORT-TERM>                                   498,211
<LIABILITIES-OTHER>                             55,454
<LONG-TERM>                                    330,361
<PREFERRED-MANDATORY>                            6,572
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                     309,511
<TOTAL-LIABILITIES-AND-EQUITY>               4,147,833
<INTEREST-LOAN>                                192,974
<INTEREST-INVEST>                               94,235
<INTEREST-OTHER>                                 3,652
<INTEREST-TOTAL>                               290,861
<INTEREST-DEPOSIT>                             116,604
<INTEREST-EXPENSE>                             168,127
<INTEREST-INCOME-NET>                          122,734
<LOAN-LOSSES>                                    7,993
<SECURITIES-GAINS>                               4,427
<EXPENSE-OTHER>                                119,594
<INCOME-PRETAX>                                 53,895
<INCOME-PRE-EXTRAORDINARY>                      39,581
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    39,581
<EPS-PRIMARY>                                     1.39
<EPS-DILUTED>                                     1.36
<YIELD-ACTUAL>                                    3.51
<LOANS-NON>                                     18,179
<LOANS-PAST>                                     7,272
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                 25,924
<ALLOWANCE-OPEN>                                19,908
<CHARGE-OFFS>                                    5,064
<RECOVERIES>                                     1,420
<ALLOWANCE-CLOSE>                               26,403<F1>
<ALLOWANCE-DOMESTIC>                            17,095
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          9,308
<FN>
<F1>THE ALLOWANCE FOR LOAN LOSS - CLOSE INCLUDES $2,146 RELATED TO THE MARCH 27,
1998 MERGER WITH MIDWEST FEDERAL FINANCIAL CORP. THE MERGER WAS ACCOUNTED FOR
AS A POOLING OF INTERESTS. HOWEVER THE SIZE OF THE TRANSACTION WAS NOT MATERIAL
TO THE COMPANY'S CONSOLIDATED FINANCIAL STATEMENTS, AND THEREFORE, FINANCIAL
STATEMENTS WERE NOT RESTATED.
</FN>
        

</TABLE>