<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Statement of Condition at September 30, 1999 and the Consolidated
Statement of Income for the nine months ended September 30, 1999 and is
qualified in its entirety by reference to such consolidated financial
statements.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                         209,739
<INT-BEARING-DEPOSITS>                          65,983
<FED-FUNDS-SOLD>                               120,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    997,679
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      2,589,296
<ALLOWANCE>                                     20,014
<TOTAL-ASSETS>                               4,376,678
<DEPOSITS>                                   3,646,105
<SHORT-TERM>                                    81,469
<LIABILITIES-OTHER>                            284,652
<LONG-TERM>                                     63,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        20,060
<OTHER-SE>                                     281,392
<TOTAL-LIABILITIES-AND-EQUITY>               4,376,678
<INTEREST-LOAN>                                126,213
<INTEREST-INVEST>                               44,996
<INTEREST-OTHER>                                 8,004
<INTEREST-TOTAL>                               179,213
<INTEREST-DEPOSIT>                              83,818
<INTEREST-EXPENSE>                              92,744
<INTEREST-INCOME-NET>                           86,469
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                  17
<EXPENSE-OTHER>                                300,391
<INCOME-PRETAX>                                 94,638
<INCOME-PRE-EXTRAORDINARY>                      94,638
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    57,417
<EPS-BASIC>                                       3.10
<EPS-DILUTED>                                     2.75
<YIELD-ACTUAL>                                    3.30
<LOANS-NON>                                        435
<LOANS-PAST>                                     1,106
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                19,414
<CHARGE-OFFS>                                      258
<RECOVERIES>                                       858
<ALLOWANCE-CLOSE>                               20,014
<ALLOWANCE-DOMESTIC>                            20,014
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         20,014


</TABLE>