<TABLE> <S> <C>

<ARTICLE>                             9
<MULTIPLIER>                          1,000
       
<S>                                       <C>
<PERIOD-TYPE>                             3-MOS
<FISCAL-YEAR-END>                                              DEC-31-1999
<PERIOD-END>                                                   MAR-31-1999
<CASH>                                                                 102,556
<INT-BEARING-DEPOSITS>                                                       0
<FED-FUNDS-SOLD>                                                        40,170
<TRADING-ASSETS>                                                             0
<INVESTMENTS-HELD-FOR-SALE>                                            213,212
<INVESTMENTS-CARRYING>                                                 155,854
<INVESTMENTS-MARKET>                                                   157,315
<LOANS>                                                              1,500,347
<ALLOWANCE>                                                             22,718
<TOTAL-ASSETS>                                                       2,092,326
<DEPOSITS>                                                           1,617,046
<SHORT-TERM>                                                           243,002
<LIABILITIES-OTHER>                                                     18,153
<LONG-TERM>                                                             80,755
<PREFERRED-MANDATORY>                                                        0
<PREFERRED>                                                                  0
<COMMON>                                                                12,139
<OTHER-SE>                                                             121,231
<TOTAL-LIABILITIES-AND-EQUITY>                                       2,092,326
<INTEREST-LOAN>                                                         30,445
<INTEREST-INVEST>                                                        5,473
<INTEREST-OTHER>                                                           601
<INTEREST-TOTAL>                                                        36,519
<INTEREST-DEPOSIT>                                                      12,577
<INTEREST-EXPENSE>                                                      16,865
<INTEREST-INCOME-NET>                                                   19,654
<LOAN-LOSSES>                                                            2,280
<SECURITIES-GAINS>                                                         163
<EXPENSE-OTHER>                                                         19,144
<INCOME-PRETAX>                                                          9,326
<INCOME-PRE-EXTRAORDINARY>                                               5,700
<EXTRAORDINARY>                                                              0
<CHANGES>                                                                    0
<NET-INCOME>                                                             5,700
<EPS-PRIMARY>                                                             2.80
<EPS-DILUTED>                                                             2.40
<YIELD-ACTUAL>                                                            0.00
<LOANS-NON>                                                              5,059
<LOANS-PAST>                                                               960
<LOANS-TROUBLED>                                                             0
<LOANS-PROBLEM>                                                              0
<ALLOWANCE-OPEN>                                                        21,703
<CHARGE-OFFS>                                                            1,868
<RECOVERIES>                                                               603
<ALLOWANCE-CLOSE>                                                       22,718
<ALLOWANCE-DOMESTIC>                                                    22,718
<ALLOWANCE-FOREIGN>                                                          0
<ALLOWANCE-UNALLOCATED>                                                      0
        

</TABLE>