<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                     1,000

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                                          DEC-31-1999
<PERIOD-END>                                               DEC-31-1999
<CASH>                                                         109,548
<INT-BEARING-DEPOSITS>                                               0
<FED-FUNDS-SOLD>                                                46,240
<TRADING-ASSETS>                                                     0
<INVESTMENTS-HELD-FOR-SALE>                                    361,503
<INVESTMENTS-CARRYING>                                          65,849
<INVESTMENTS-MARKET>                                            65,957
<LOANS>                                                      1,654,648
<ALLOWANCE>                                                     26,010
<TOTAL-ASSETS>                                               2,338,453
<DEPOSITS>                                                   1,818,476
<SHORT-TERM>                                                   280,708
<LIABILITIES-OTHER>                                             17,886
<LONG-TERM>                                                     67,500
<PREFERRED-MANDATORY>                                                0
<PREFERRED>                                                          0
<COMMON>                                                        13,918
<OTHER-SE>                                                     139,965
<TOTAL-LIABILITIES-AND-EQUITY>                               2,338,453
<INTEREST-LOAN>                                                131,082
<INTEREST-INVEST>                                               21,865
<INTEREST-OTHER>                                                 2,259
<INTEREST-TOTAL>                                               155,206
<INTEREST-DEPOSIT>                                              53,557
<INTEREST-EXPENSE>                                              71,539
<INTEREST-INCOME-NET>                                           83,667
<LOAN-LOSSES>                                                   10,940
<SECURITIES-GAINS>                                                 540
<EXPENSE-OTHER>                                                 83,090
<INCOME-PRETAX>                                                 36,796
<INCOME-PRE-EXTRAORDINARY>                                      22,458
<EXTRAORDINARY>                                                      0
<CHANGES>                                                            0
<NET-INCOME>                                                    22,458
<EPS-BASIC>                                                      10.98
<EPS-DILUTED>                                                     9.48
<YIELD-ACTUAL>                                                    4.28
<LOANS-NON>                                                      3,063
<LOANS-PAST>                                                     1,105
<LOANS-TROUBLED>                                                     0
<LOANS-PROBLEM>                                                      0
<ALLOWANCE-OPEN>                                                21,703
<CHARGE-OFFS>                                                    9,183
<RECOVERIES>                                                     2,240
<ALLOWANCE-CLOSE>                                               26,010
<ALLOWANCE-DOMESTIC>                                            26,010
<ALLOWANCE-FOREIGN>                                                  0
<ALLOWANCE-UNALLOCATED>                                              0


</TABLE>