<TABLE> <S> <C>

<ARTICLE> 9
       
<S>                             <C>                     <C>                     <C>
<PERIOD-TYPE>                   12-MOS                   12-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1998             DEC-31-1997             DEC-31-1996
<PERIOD-END>                               DEC-31-1998             DEC-31-1997             DEC-31-1996
<CASH>                                           63346                   95495                   61962
<INT-BEARING-DEPOSITS>                            1661                      44                      60
<FED-FUNDS-SOLD>                                 56186                    2470                    1775
<TRADING-ASSETS>                                     0                       0                       0
<INVESTMENTS-HELD-FOR-SALE>                     517936                  527649                  291120
<INVESTMENTS-CARRYING>                               0                       0                       0
<INVESTMENTS-MARKET>                                 0                       0                       0
<LOANS>                                        1369505                 1314501                  910436
<ALLOWANCE>                                      16699                   18943                   13647
<TOTAL-ASSETS>                                 2142424                 2097452                 1312981
<DEPOSITS>                                     1789017                 1686172                 1083258
<SHORT-TERM>                                     89521                  131648                   88828
<LIABILITIES-OTHER>                              27187                   22967                    9165
<LONG-TERM>                                      22386                   43069                   12013
<PREFERRED-MANDATORY>                                0                       0                       0
<PREFERRED>                                          0                       0                       0
<COMMON>                                         13293                   13243                    9785
<OTHER-SE>                                      201020                  200353                  109932
<TOTAL-LIABILITIES-AND-EQUITY>                 2142424                 2097452                 1312981
<INTEREST-LOAN>                                 114282                  100013                   81281
<INTEREST-INVEST>                                32091                   27094                   15982
<INTEREST-OTHER>                                  1797                     771                     842
<INTEREST-TOTAL>                                148170                  127878                   98105
<INTEREST-DEPOSIT>                               59224                   49084                   37057
<INTEREST-EXPENSE>                               65724                   55962                   41351
<INTEREST-INCOME-NET>                            82446                   71916                   56754
<LOAN-LOSSES>                                     3135                    3250                    3350
<SECURITIES-GAINS>                                 866                     688                      11
<EXPENSE-OTHER>                                  85714                   70049                   47411
<INCOME-PRETAX>                                  31454                   27139                   25154
<INCOME-PRE-EXTRAORDINARY>                       31454                   27139                   25154
<EXTRAORDINARY>                                      0                       0                       0
<CHANGES>                                            0                       0                       0
<NET-INCOME>                                     19113                   17126                   16615
<EPS-PRIMARY>                                     1.46                    1.52                    1.79
<EPS-DILUTED>                                     1.45                    1.51                    1.77
<YIELD-ACTUAL>                                    4.48                    4.70                    4.93
<LOANS-NON>                                       7904                   17006                    7812
<LOANS-PAST>                                      2069                    6055                    1933
<LOANS-TROUBLED>                                     0                       0                     661
<LOANS-PROBLEM>                                      0                       0                       0
<ALLOWANCE-OPEN>                                 18943                   13647                   14761
<CHARGE-OFFS>                                     8232                    6705                    6033
<RECOVERIES>                                      2853                    1263                    4464
<ALLOWANCE-CLOSE>                                16699                   18943                   13647
<ALLOWANCE-DOMESTIC>                             16699                   18943                   13647
<ALLOWANCE-FOREIGN>                                  0                       0                       0
<ALLOWANCE-UNALLOCATED>                           6443                    6103                    5087
        

</TABLE>