<TABLE> <S> <C>


<ARTICLE>                                         9
<MULTIPLIER>                                  1,000

<S>                                  <C>                    <C>
<PERIOD-TYPE>                        3-MOS                  6-MOS
<FISCAL-YEAR-END>                    DEC-31-1999            DEC-31-1999
<PERIOD-START>                       APR-01-1999            JAN-01-1999
<PERIOD-END>                         JUN-30-1999            JUN-30-1999
<CASH>                                   65,930                 65,930
<INT-BEARING-DEPOSITS>                  146,474                146,474
<FED-FUNDS-SOLD>                          7,802                  7,802
<TRADING-ASSETS>                              0                      0
<INVESTMENTS-HELD-FOR-SALE>             685,849                685,849
<INVESTMENTS-CARRYING>                  151,816                151,816
<INVESTMENTS-MARKET>                    146,848                146,848
<LOANS>                               1,883,039              1,883,039
<ALLOWANCE>                              25,625                 25,625
<TOTAL-ASSETS>                        3,083,624              3,083,624
<DEPOSITS>                            2,213,790              2,213,790
<SHORT-TERM>                            232,193                232,193
<LIABILITIES-OTHER>                      65,950                 65,950
<LONG-TERM>                             362,224                362,224
<PREFERRED-MANDATORY>                         0                      0
<PREFERRED>                                   0                      0
<COMMON>                                133,224                133,224
<OTHER-SE>                               76,243                 76,243
<TOTAL-LIABILITIES-AND-EQUITY>        3,083,624              3,083,624
<INTEREST-LOAN>                          39,622                 79,513
<INTEREST-INVEST>                        13,171                 25,569
<INTEREST-OTHER>                              0                      0
<INTEREST-TOTAL>                         52,793                105,082
<INTEREST-DEPOSIT>                       20,726                 43,313
<INTEREST-EXPENSE>                       27,367                 55,712
<INTEREST-INCOME-NET>                    25,426                 49,370
<LOAN-LOSSES>                               300                    800
<SECURITIES-GAINS>                           81                    177
<EXPENSE-OTHER>                          19,041                 39,724
<INCOME-PRETAX>                          13,209                 21,944
<INCOME-PRE-EXTRAORDINARY>               13,209                 21,944
<EXTRAORDINARY>                               0                      0
<CHANGES>                                     0                      0
<NET-INCOME>                              8,454                 14,006
<EPS-BASIC>                               .17                    .28
<EPS-DILUTED>                               .17                    .27
<YIELD-ACTUAL>                             3.64                   3.53
<LOANS-NON>                              11,746                 11,746
<LOANS-PAST>                                  0                      0
<LOANS-TROUBLED>                              0                      0
<LOANS-PROBLEM>                               0                      0
<ALLOWANCE-OPEN>                         25,896                 26,665
<CHARGE-OFFS>                             1,177                  2,890
<RECOVERIES>                                606                  1,049
<ALLOWANCE-CLOSE>                        25,625                 25,625
<ALLOWANCE-DOMESTIC>                     25,625                 25,625
<ALLOWANCE-FOREIGN>                           0                      0
<ALLOWANCE-UNALLOCATED>                   4,565                  4,565



</TABLE>