<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
     This schedule contains summary information extracted from the Form 10-Q and
is qualified in its entirety by reference to such financial statements.
</LEGEND>
<CIK>                         0000818969
<NAME>                        1,000
<MULTIPLIER>                                   1
<CURRENCY>                                     U.S. Dollars
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-START>                                 JAN-01-1999
<PERIOD-END>                                   MAR-31-1999
<EXCHANGE-RATE>                                1
<CASH>                                         67,220
<INT-BEARING-DEPOSITS>                         0
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    1,347,176
<INVESTMENTS-CARRYING>                         0
<INVESTMENTS-MARKET>                           0
<LOANS>                                        3,128,748
<ALLOWANCE>                                    37,897
<TOTAL-ASSETS>                                 4,867,601
<DEPOSITS>                                     3,429,513
<SHORT-TERM>                                   280,110
<LIABILITIES-OTHER>                            80,925
<LONG-TERM>                                    743,151
<PREFERRED-MANDATORY>                          39,244
<PREFERRED>                                    0
<COMMON>                                       24,839
<OTHER-SE>                                     269,819
<TOTAL-LIABILITIES-AND-EQUITY>                 4,867,601
<INTEREST-LOAN>                                60,653
<INTEREST-INVEST>                              20,091
<INTEREST-OTHER>                               628
<INTEREST-TOTAL>                               81,372
<INTEREST-DEPOSIT>                             34,401
<INTEREST-EXPENSE>                             47,631
<INTEREST-INCOME-NET>                          33,741
<LOAN-LOSSES>                                  1,961
<SECURITIES-GAINS>                             (63)
<EXPENSE-OTHER>                                16,642
<INCOME-PRETAX>                                15,075
<INCOME-PRE-EXTRAORDINARY>                     15,075
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   10,325
<EPS-PRIMARY>                                  0.43
<EPS-DILUTED>                                  0.41
<YIELD-ACTUAL>                                 2.99
<LOANS-NON>                                    10,132
<LOANS-PAST>                                   28,343
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               42,739
<CHARGE-OFFS>                                  7,120
<RECOVERIES>                                   317
<ALLOWANCE-CLOSE>                              37,897
<ALLOWANCE-DOMESTIC>                           37,897
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0
        

</TABLE>