<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED STATEMENT OF CONDITION AT DECEMBER 31, 1999 AND THE CONSOLIDATED
STATEMENT OF INCOME FOR THE TWELVE MONTHS ENDED DECEMBER 31, 1999 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH CONSOLIDATED FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                         407,329
<INT-BEARING-DEPOSITS>                          50,456
<FED-FUNDS-SOLD>                               375,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,079,158
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      2,709,375
<ALLOWANCE>                                     20,169
<TOTAL-ASSETS>                               5,023,051
<DEPOSITS>                                   4,204,943
<SHORT-TERM>                                   141,157
<LIABILITIES-OTHER>                            312,110
<LONG-TERM>                                     63,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        20,088
<OTHER-SE>                                     281,753
<TOTAL-LIABILITIES-AND-EQUITY>               5,023,051
<INTEREST-LOAN>                                174,514
<INTEREST-INVEST>                               60,146
<INTEREST-OTHER>                                12,269
<INTEREST-TOTAL>                               246,929
<INTEREST-DEPOSIT>                             117,489
<INTEREST-EXPENSE>                             129,816
<INTEREST-INCOME-NET>                          117,113
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                  17
<EXPENSE-OTHER>                                413,921
<INCOME-PRETAX>                                127,676
<INCOME-PRE-EXTRAORDINARY>                     127,676
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    77,569
<EPS-BASIC>                                       4.18
<EPS-DILUTED>                                     3.72
<YIELD-ACTUAL>                                    3.26
<LOANS-NON>                                      1,673
<LOANS-PAST>                                       330
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                19,414
<CHARGE-OFFS>                                      292
<RECOVERIES>                                     1,047
<ALLOWANCE-CLOSE>                               20,169
<ALLOWANCE-DOMESTIC>                            20,169
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         20,169


</TABLE>