<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM (A) THE
COMPANY'S CONSOLIDATED BALANCE SHEETS AND CONSOLIDATED STATEMENTS OF OPERATION
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH (B) FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

<S>                             <C>        <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                          62,654
<INT-BEARING-DEPOSITS>                           4,908
<FED-FUNDS-SOLD>                                85,140
<TRADING-ASSETS>                                39,883
<INVESTMENTS-HELD-FOR-SALE>                    317,756
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      1,867,387
<ALLOWANCE>                                     28,189
<TOTAL-ASSETS>                               2,516,507
<DEPOSITS>                                   2,224,614
<SHORT-TERM>                                    37,701
<LIABILITIES-OTHER>                             28,465
<LONG-TERM>                                     27,433
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                      1,500
<COMMON>                                        21,029
<OTHER-SE>                                     147,015
<TOTAL-LIABILITIES-AND-EQUITY>               2,516,507
<INTEREST-LOAN>                                125,433
<INTEREST-INVEST>                               16,680
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                               141,802
<INTEREST-DEPOSIT>                              70,039
<INTEREST-EXPENSE>                              73,253
<INTEREST-INCOME-NET>                           68,549
<LOAN-LOSSES>                                    6,803
<SECURITIES-GAINS>                                (245)
<EXPENSE-OTHER>                                 66,181
<INCOME-PRETAX>                                 16,349
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     8,905
<EPS-BASIC>                                        .85
<EPS-DILUTED>                                      .79
<YIELD-ACTUAL>                                    7.98
<LOANS-NON>                                     24,752
<LOANS-PAST>                                     1,273
<LOANS-TROUBLED>                                 1,292
<LOANS-PROBLEM>                                    761
<ALLOWANCE-OPEN>                                28,077
<CHARGE-OFFS>                                   (8,279)
<RECOVERIES>                                     1,313
<ALLOWANCE-CLOSE>                               28,189
<ALLOWANCE-DOMESTIC>                            28,189
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         28,189


</TABLE>