<TABLE> <S> <C>


<ARTICLE>                                            9

<S>                                            <C>                <C>               <C>
<PERIOD-TYPE>                                  YEAR               YEAR              YEAR
<FISCAL-YEAR-END>                              DEC-31-1999        DEC-31-1998       DEC-31-1997
<PERIOD-START>                                 JAN-01-1999        JAN-01-1998       JAN-01-1997
<PERIOD-END>                                   DEC-31-1999        DEC-31-1998       DEC-31-1997
<CASH>                                              40,111             23,660            20,405
<INT-BEARING-DEPOSITS>                                 543              1,877             2,401
<FED-FUNDS-SOLD>                                    28,200             45,500            32,000
<TRADING-ASSETS>                                         0                  0                 0
<INVESTMENTS-HELD-FOR-SALE>                        398,939            379,514           266,589
<INVESTMENTS-CARRYING>                             187,411             67,019           172,708
<INVESTMENTS-MARKET>                               181,458             70,284           175,842
<LOANS>                                            927,503            731,368           621,992
<ALLOWANCE>                                         10,687              8,889             8,260
<TOTAL-ASSETS>                                   1,646,371          1,288,812         1,152,743
<DEPOSITS>                                      11,411,749            958,640           902,788
<SHORT-TERM>                                       177,355              1,000            69,863
<LIABILITIES-OTHER>                                 14,301             12,618            10,137
<LONG-TERM>                                        196,420            199,115            63,940
<PREFERRED-MANDATORY>                                    0                  0                 0
<PREFERRED>                                              0                  0                 0
<COMMON>                                               164                162            71,067
<OTHER-SE>                                          96,247             97,277            14,811
<TOTAL-LIABILITIES-AND-EQUITY>                   1,646,371          1,288,812         1,152,743
<INTEREST-LOAN>                                     68,641             58,735            52,732
<INTEREST-INVEST>                                   36,899             30,212            26,303
<INTEREST-OTHER>                                     1,277              1,595             1,101
<INTEREST-TOTAL>                                   106,817             90,542            80,136
<INTEREST-DEPOSIT>                                  36,813             38,180            35,200
<INTEREST-EXPENSE>                                  53,968             47,414            41,785
<INTEREST-INCOME-NET>                               52,849             42,128            38,351
<LOAN-LOSSES>                                        2,285              1,239             2,362
<SECURITIES-GAINS>                                     588              1,382             1,113
<EXPENSE-OTHER>                                     29,273             31,922            24,398
<INCOME-PRETAX>                                     26,585             15,381            16,521
<INCOME-PRE-EXTRAORDINARY>                          26,585             15,381            16,521
<EXTRAORDINARY>                                          0                  0                 0
<CHANGES>                                                0                  0                 0
<NET-INCOME>                                        16,685             12,009            11,499
<EPS-BASIC>                                           1.05               0.77              0.75
<EPS-DILUTED>                                         1.01               0.72              0.69
<YIELD-ACTUAL>                                        3.84               3.90              4.03
<LOANS-NON>                                          2,618              2,335             7,254
<LOANS-PAST>                                           192                133                97
<LOANS-TROUBLED>                                       562                718               867
<LOANS-PROBLEM>                                        944                773               150
<ALLOWANCE-OPEN>                                     8,889              8,260             6,402
<CHARGE-OFFS>                                          565                694               669
<RECOVERIES>                                            78                 94               165
<ALLOWANCE-CLOSE>                                   10,687              8,889             8,260
<ALLOWANCE-DOMESTIC>                                10,687              8,889             8,260
<ALLOWANCE-FOREIGN>                                      0                  0                 0
<ALLOWANCE-UNALLOCATED>                                  0                  0                 0


</TABLE>