<TABLE> <S> <C>
                        
<ARTICLE>                                            9
<MULTIPLIER>                                   1000
       
<S>                                         <C>               
<PERIOD-TYPE>                                 3-MOS           
<FISCAL-YEAR-END>                           DEC-31-1999       
<PERIOD-START>                              JAN-01-1999       
<PERIOD-END>                                MAR-31-1999       
<CASH>                                         67,160         
<INT-BEARING-DEPOSITS>                        154,961         
<FED-FUNDS-SOLD>                                3,390         
<TRADING-ASSETS>                                   0          
<INVESTMENTS-HELD-FOR-SALE>                   722,912         
<INVESTMENTS-CARRYING>                          6,366         
<INVESTMENTS-MARKET>                            6,398         
<LOANS>                                     1,969,502         
<ALLOWANCE>                                    25,896         
<TOTAL-ASSETS>                              3,047,054         
<DEPOSITS>                                  2,346,880         
<SHORT-TERM>                                  161,714         
<LIABILITIES-OTHER>                            49,397         
<LONG-TERM>                                   276,801         
<PREFERRED-MANDATORY>                               0         
<PREFERRED>                                         0    
<COMMON>                                      133,154         
<OTHER-SE>                                     79,108         
<TOTAL-LIABILITIES-AND-EQUITY>              3,047,054         
<INTEREST-LOAN>                                39,891             
<INTEREST-INVEST>                              12,398         
<INTEREST-OTHER>                                    0         
<INTEREST-TOTAL>                               52,289         
<INTEREST-DEPOSIT>                             22,587         
<INTEREST-EXPENSE>                             28,345         
<INTEREST-INCOME-NET>                          23,944         
<LOAN-LOSSES>                                     500         
<SECURITIES-GAINS>                                 96         
<EXPENSE-OTHER>                                20,683         
<INCOME-PRETAX>                                 8,735         
<INCOME-PRE-EXTRAORDINARY>                      8,735         
<EXTRAORDINARY>                                     0         
<CHANGES>                                           0         
<NET-INCOME>                                    5,552         
<EPS-PRIMARY>                                     .11         
<EPS-DILUTED>                                     .11         
<YIELD-ACTUAL>                                   3.42         
<LOANS-NON>                                    16,758         
<LOANS-PAST>                                        0         
<LOANS-TROUBLED>                                    0         
<LOANS-PROBLEM>                                     0         
<ALLOWANCE-OPEN>                               26,665         
<CHARGE-OFFS>                                   1,713         
<RECOVERIES>                                      443         
<ALLOWANCE-CLOSE>                              25,896         
<ALLOWANCE-DOMESTIC>                           25,896         
<ALLOWANCE-FOREIGN>                                 0         
<ALLOWANCE-UNALLOCATED>                         5,351         
        





</TABLE>