<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
This schedule contains summary financial information extracted from
the company's Consolidated Statement of Operations and Consolidated
Statement of Financial Condition and is qualified in its entirety
by reference to such financial statements.

</LEGEND>
<MULTIPLIER>                                   1000
       
<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-START>                                 JAN-01-1998
<PERIOD-END>                                   DEC-31-1998
<CASH>                                              55,280
<INT-BEARING-DEPOSITS>                              71,000
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                        621,012
<INVESTMENTS-CARRYING>                             621,012
<INVESTMENTS-MARKET>                               621,012
<LOANS>                                          2,808,221
<ALLOWANCE>                                         75,272
<TOTAL-ASSETS>                                   3,677,128
<DEPOSITS>                                       2,135,909
<SHORT-TERM>                                       671,172
<LIABILITIES-OTHER>                                 49,047
<LONG-TERM>                                        564,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                               231
<OTHER-SE>                                         256,769
<TOTAL-LIABILITIES-AND-EQUITY>                   3,677,128
<INTEREST-LOAN>                                    238,171
<INTEREST-INVEST>                                   51,598
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                   289,769
<INTEREST-DEPOSIT>                                  97,659
<INTEREST-EXPENSE>                                 186,491
<INTEREST-INCOME-NET>                              103,278
<LOAN-LOSSES>                                        7,200
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                     48,924
<INCOME-PRETAX>                                     60,811
<INCOME-PRE-EXTRAORDINARY>                               0
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                        34,629
<EPS-PRIMARY>                                         1.63
<EPS-DILUTED>                                         1.60
<YIELD-ACTUAL>                                        2.60
<LOANS-NON>                                         25,983
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                     5,934
<LOANS-PROBLEM>                                     16,600
<ALLOWANCE-OPEN>                                    84,081
<CHARGE-OFFS>                                        6,472
<RECOVERIES>                                         3,049
<ALLOWANCE-CLOSE>                                   87,818
<ALLOWANCE-DOMESTIC>                                87,818
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
                                               


</TABLE>