<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                     1,000

<S>                                            <C>
<PERIOD-TYPE>                                        6-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-START>                                 JAN-01-1999
<PERIOD-END>                                   JUN-30-1999
<CASH>                                              17,050
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                        872,287
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                            902,094
<ALLOWANCE>                                         10,326
<TOTAL-ASSETS>                                   1,853,036
<DEPOSITS>                                       1,253,931
<SHORT-TERM>                                       107,500
<LIABILITIES-OTHER>                                 23,011
<LONG-TERM>                                        180,675
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                               431
<OTHER-SE>                                         287,488
<TOTAL-LIABILITIES-AND-EQUITY>                   1,853,036
<INTEREST-LOAN>                                     32,911
<INTEREST-INVEST>                                   27,515
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                    60,426
<INTEREST-DEPOSIT>                                  23,995
<INTEREST-EXPENSE>                                  31,822
<INTEREST-INCOME-NET>                               28,604
<LOAN-LOSSES>                                          900
<SECURITIES-GAINS>                                     577
<EXPENSE-OTHER>                                     12,365
<INCOME-PRETAX>                                     17,389
<INCOME-PRE-EXTRAORDINARY>                          17,389
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                        11,491
<EPS-BASIC>                                         0.28
<EPS-DILUTED>                                         0.28
<YIELD-ACTUAL>                                        2.42
<LOANS-NON>                                          2,619
<LOANS-PAST>                                           224
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     9,505
<CHARGE-OFFS>                                           79
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                   10,326
<ALLOWANCE-DOMESTIC>                                10,326
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0



</TABLE>