<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                     1,000
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                                          DEC-31-1998
<PERIOD-END>                                               DEC-31-1998
<CASH>                                                         132,056
<INT-BEARING-DEPOSITS>                                               0
<FED-FUNDS-SOLD>                                                68,550
<TRADING-ASSETS>                                                     0
<INVESTMENTS-HELD-FOR-SALE>                                    208,752
<INVESTMENTS-CARRYING>                                         179,068
<INVESTMENTS-MARKET>                                           181,068
<LOANS>                                                      1,449,612
<ALLOWANCE>                                                     21,703
<TOTAL-ASSETS>                                               2,115,465
<DEPOSITS>                                                   1,647,354
<SHORT-TERM>                                                   244,215
<LIABILITIES-OTHER>                                             13,207
<LONG-TERM>                                                     81,078
<PREFERRED-MANDATORY>                                                0
<PREFERRED>                                                          0
<COMMON>                                                        12,093
<OTHER-SE>                                                     117,518
<TOTAL-LIABILITIES-AND-EQUITY>                               2,115,465
<INTEREST-LOAN>                                                119,077
<INTEREST-INVEST>                                               21,251
<INTEREST-OTHER>                                                 6,555
<INTEREST-TOTAL>                                               146,883
<INTEREST-DEPOSIT>                                              51,733
<INTEREST-EXPENSE>                                              69,325
<INTEREST-INCOME-NET>                                           77,558
<LOAN-LOSSES>                                                   11,090
<SECURITIES-GAINS>                                                 126
<EXPENSE-OTHER>                                                 77,381
<INCOME-PRETAX>                                                 31,724
<INCOME-PRE-EXTRAORDINARY>                                      19,534
<EXTRAORDINARY>                                                      0
<CHANGES>                                                            0
<NET-INCOME>                                                    19,534
<EPS-PRIMARY>                                                     9.10
<EPS-DILUTED>                                                     7.90
<YIELD-ACTUAL>                                                    4.34
<LOANS-NON>                                                      5,027
<LOANS-PAST>                                                     1,090
<LOANS-TROUBLED>                                                     0
<LOANS-PROBLEM>                                                      0
<ALLOWANCE-OPEN>                                                17,932
<CHARGE-OFFS>                                                    9,180
<RECOVERIES>                                                     1,861
<ALLOWANCE-CLOSE>                                               21,703
<ALLOWANCE-DOMESTIC>                                            21,703
<ALLOWANCE-FOREIGN>                                                  0
<ALLOWANCE-UNALLOCATED>                                              0
        

</TABLE>