<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                       1,000
       
<S>                             <C>                  <C>
<PERIOD-TYPE>                   3-MOS                 6-MOS
<FISCAL-YEAR-END>               DEC-31-1998          DEC-31-1998
<PERIOD-START>                  APR-01-1998          JAN-01-1998             
<PERIOD-END>                    JUN-30-1998          JUN-30-1998
<CASH>                             85,884              85,884    
<INT-BEARING-DEPOSITS>                 99                  99      
<FED-FUNDS-SOLD>                        0                   0
<TRADING-ASSETS>                        0                   0
<INVESTMENTS-HELD-FOR-SALE>       260,230              260,230
<INVESTMENTS-CARRYING>                  0                    0
<INVESTMENTS-MARKET>                    0                    0    
<LOANS>                         1,791,274            1,791,274   
<ALLOWANCE>                        23,677               23,677
<TOTAL-ASSETS>                  2,254,739            2,254,739    
<DEPOSITS>                      1,566,715            1,566,715   
<SHORT-TERM>                      299,327              299,327
<LIABILITIES-OTHER>                26,641               26,641
<LONG-TERM>                       194,932              194,932
<PREFERRED-MANDATORY>                   0                    0
<PREFERRED>                             0                    0     
<COMMON>                           22,078               22,078
<OTHER-SE>                        145,046              145,046
<TOTAL-LIABILITIES-AND-EQUITY>  2,254,739            2,254,739 
<INTEREST-LOAN>                    40,276               78,530 
<INTEREST-INVEST>                   3,691                7,508
<INTEREST-OTHER>                        2                    9
<INTEREST-TOTAL>                   43,969               86,047
<INTEREST-DEPOSIT>                 16,305               32,771
<INTEREST-EXPENSE>                 22,314               44,062
<INTEREST-INCOME-NET>              21,655               41,985
<LOAN-LOSSES>                       2,300                4,520
<SECURITIES-GAINS>                     (2)                 148
<EXPENSE-OTHER>                    19,608               38,103
<INCOME-PRETAX>                    10,619               20,499
<INCOME-PRE-EXTRAORDINARY>          7,030               13,604
<EXTRAORDINARY>                         0                    0
<CHANGES>                               0                    0        
<NET-INCOME>                        7,030               13,604          
<EPS-PRIMARY>                         .60                 1.17
<EPS-DILUTED>                         .58                 1.13
<YIELD-ACTUAL>                       4.37                 4.33
<LOANS-NON>                        22,404               22,404
<LOANS-PAST>                        5,331                5,331
<LOANS-TROUBLED>                      557                  557
<LOANS-PROBLEM>                     4,793                4,793
<ALLOWANCE-OPEN>                   22,777               22,017
<CHARGE-OFFS>                       1,743                3,766
<RECOVERIES>                          343                  906
<ALLOWANCE-CLOSE>                  23,677               23,677
<ALLOWANCE-DOMESTIC>               23,677               23,677
<ALLOWANCE-FOREIGN>                     0                    0
<ALLOWANCE-UNALLOCATED>                 0                    0
        



</TABLE>