<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Statement of Financial Condition at December 31, 1999 and
the Consolidated Statement of Operations for the twelve months Ended
December 31, 1999 and is qualified in its entirety by reference to such
financial statements.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                          41,479
<INT-BEARING-DEPOSITS>                       1,967,136
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    937,299
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      1,806,825
<ALLOWANCE>                                     16,699
<TOTAL-ASSETS>                               2,965,850
<DEPOSITS>                                   2,080,613
<SHORT-TERM>                                   288,386
<LIABILITIES-OTHER>                             30,422
<LONG-TERM>                                    460,846
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           100
<OTHER-SE>                                     105,483
<TOTAL-LIABILITIES-AND-EQUITY>               2,965,850
<INTEREST-LOAN>                                119,413
<INTEREST-INVEST>                               64,450
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                               183,863
<INTEREST-DEPOSIT>                              75,441
<INTEREST-EXPENSE>                             112,906
<INTEREST-INCOME-NET>                           70,957
<LOAN-LOSSES>                                    3,625
<SECURITIES-GAINS>                                 750
<EXPENSE-OTHER>                                 82,230
<INCOME-PRETAX>                                 19,470
<INCOME-PRE-EXTRAORDINARY>                      19,470
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    12,607
<EPS-BASIC>                                       1.44
<EPS-DILUTED>                                     1.38
<YIELD-ACTUAL>                                    7.06
<LOANS-NON>                                      6,994
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   717
<LOANS-PROBLEM>                                  6,876
<ALLOWANCE-OPEN>                                13,978
<CHARGE-OFFS>                                    1,350
<RECOVERIES>                                       446
<ALLOWANCE-CLOSE>                               16,699
<ALLOWANCE-DOMESTIC>                            16,699
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>