<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
consolidated statement of financial condition, the consolidated statement of
income and notes thereto found on pages 1 through 17 of the Company's Form 
10-Q for the year-to-date September 30, 1998 and is qualified in its entirety by
reference to such financial statements
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               SEP-30-1998
<CASH>                                          56,200
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 4,300
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    127,795
<INVESTMENTS-CARRYING>                       1,234,840
<INVESTMENTS-MARKET>                         1,232,914
<LOANS>                                      1,545,507
<ALLOWANCE>                                     11,043
<TOTAL-ASSETS>                               3,126,286
<DEPOSITS>                                   1,704,571
<SHORT-TERM>                                   938,309
<LIABILITIES-OTHER>                             59,343
<LONG-TERM>                                    308,650
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            50
<OTHER-SE>                                     114,580
<TOTAL-LIABILITIES-AND-EQUITY>               3,126,286
<INTEREST-LOAN>                                 87,495
<INTEREST-INVEST>                               67,938
<INTEREST-OTHER>                                 2,007
<INTEREST-TOTAL>                               157,440
<INTEREST-DEPOSIT>                              48,166
<INTEREST-EXPENSE>                             108,903
<INTEREST-INCOME-NET>                           48,537
<LOAN-LOSSES>                                    2,350
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 35,334
<INCOME-PRETAX>                                 15,605
<INCOME-PRE-EXTRAORDINARY>                      13,661
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    13,661
<EPS-PRIMARY>                                     1.81
<EPS-DILUTED>                                     1.75
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 7,412
<CHARGE-OFFS>                                    1,235
<RECOVERIES>                                       259
<ALLOWANCE-CLOSE>                               11,043
<ALLOWANCE-DOMESTIC>                            11,043
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>