<TABLE> <S> <C>

<ARTICLE>            9
       

<S>                                     <C>
<PERIOD-TYPE>                           9-MOS

<FISCAL-YEAR-END>                                           DEC-31-1998
<PERIOD-END>                                                SEP-30-1998
<CASH>                                                          219,818
<INT-BEARING-DEPOSITS>                                                0
<FED-FUNDS-SOLD>                                                 64,345
<TRADING-ASSETS>                                                      0
<INVESTMENTS-HELD-FOR-SALE>                                   2,141,855
<INVESTMENTS-CARRYING>                                          544,342
<INVESTMENTS-MARKET>                                            550,092
<LOANS>                                                       3,437,183
<ALLOWANCE>                                                      53,527
<TOTAL-ASSETS>                                                6,677,011
<DEPOSITS>                                                    5,208,331
<SHORT-TERM>                                                    765,968
<LIABILITIES-OTHER>                                              51,027
<LONG-TERM>                                                     200,000
<COMMON>                                                         72,246
<PREFERRED-MANDATORY>                                                 0
<PREFERRED>                                                          50
<OTHER-SE>                                                      379,389
<TOTAL-LIABILITIES-AND-EQUITY>                                6,677,011
<INTEREST-LOAN>                                                 226,599
<INTEREST-INVEST>                                               120,347
<INTEREST-OTHER>                                                  7,206
<INTEREST-TOTAL>                                                354,152
<INTEREST-DEPOSIT>                                              125,344
<INTEREST-EXPENSE>                                               37,964
<INTEREST-INCOME-NET>                                           190,844
<LOAN-LOSSES>                                                    11,890
<SECURITIES-GAINS>                                                3,187
<EXPENSE-OTHER>                                                 192,390
<INCOME-PRETAX>                                                   5,739
<INCOME-PRE-EXTRAORDINARY>                                        5,739
<EXTRAORDINARY>                                                       0
<CHANGES>                                                             0
<NET-INCOME>                                                       (649)
<EPS-PRIMARY>                                                     (0.02)
<EPS-DILUTED>                                                     (0.02)
<YIELD-ACTUAL>                                                     4.15
<LOANS-NON>                                                      24,433
<LOANS-PAST>                                                     19,407
<LOANS-TROUBLED>                                                  1,637
<LOANS-PROBLEM>                                                  26,070
<ALLOWANCE-OPEN>                                                 65,858
<CHARGE-OFFS>                                                    30,859
<RECOVERIES>                                                      4,688
<ALLOWANCE-CLOSE>                                                53,527
<ALLOWANCE-DOMESTIC>                                             53,527
<ALLOWANCE-FOREIGN>                                                   0
<ALLOWANCE-UNALLOCATED>                                          25,601
        

</TABLE>