<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
As Of and For the period ended December 31, 1999
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                                 DEC-31-1999
<PERIOD-END>                                      DEC-31-1999
<CASH>                                            $26,059,537
<INT-BEARING-DEPOSITS>                              6,881,346
<FED-FUNDS-SOLD>                                   50,000,000
<TRADING-ASSETS>                                            0
<INVESTMENTS-HELD-FOR-SALE>                       649,931,593
<INVESTMENTS-CARRYING>                            197,988,432
<INVESTMENTS-MARKET>                              195,169,226
<LOANS>                                           437,097,287
<ALLOWANCE>                                         9,108,216
<TOTAL-ASSETS>                                  1,395,313,148
<DEPOSITS>                                        958,978,208
<SHORT-TERM>                                      310,047,500
<LIABILITIES-OTHER>                                27,079,503
<LONG-TERM>                                                 0
<PREFERRED-MANDATORY>                                       0
<PREFERRED>                                                 0
<COMMON>                                               19,978
<OTHER-SE>                                         99,187,959
<TOTAL-LIABILITIES-AND-EQUITY>                  1,395,313,148
<INTEREST-LOAN>                                    34,883,106
<INTEREST-INVEST>                                  54,649,130
<INTEREST-OTHER>                                      752,455
<INTEREST-TOTAL>                                   90,284,691
<INTEREST-DEPOSIT>                                 26,189,209
<INTEREST-EXPENSE>                                 39,615,519
<INTEREST-INCOME-NET>                              50,669,172
<LOAN-LOSSES>                                       1,915,000
<SECURITIES-GAINS>                                     93,381
<EXPENSE-OTHER>                                    26,773,737
<INCOME-PRETAX>                                    28,531,672
<INCOME-PRE-EXTRAORDINARY>                                  0
<EXTRAORDINARY>                                             0
<CHANGES>                                                   0
<NET-INCOME>                                       19,016,942
<EPS-BASIC>                                              0.99
<EPS-DILUTED>                                            0.98
<YIELD-ACTUAL>                                           4.11
<LOANS-NON>                                           428,000
<LOANS-PAST>                                          496,000
<LOANS-TROUBLED>                                            0
<LOANS-PROBLEM>                                             0
<ALLOWANCE-OPEN>                                    7,965,000
<CHARGE-OFFS>                                       1,224,000
<RECOVERIES>                                          452,000
<ALLOWANCE-CLOSE>                                   9,108,000
<ALLOWANCE-DOMESTIC>                                  239,000
<ALLOWANCE-FOREIGN>                                         0
<ALLOWANCE-UNALLOCATED>                             8,869,000



</TABLE>