<TABLE> <S> <C>


<ARTICLE>                                 9
<MULTIPLIER>                          1,000

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-START>                                 JAN-01-2000
<PERIOD-END>                                   MAR-31-2000
<CASH>                                              42,857
<INT-BEARING-DEPOSITS>                              74,763
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                        795,174
<INVESTMENTS-CARRYING>                             145,383
<INVESTMENTS-MARKET>                               137,305
<LOANS>                                          1,964,872
<ALLOWANCE>                                         22,253
<TOTAL-ASSETS>                                   3,241,459
<DEPOSITS>                                       2,036,514
<SHORT-TERM>                                       469,134
<LIABILITIES-OTHER>                                 51,849
<LONG-TERM>                                        488,264
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                           118,170
<OTHER-SE>                                          77,528
<TOTAL-LIABILITIES-AND-EQUITY>                   3,241,459
<INTEREST-LOAN>                                     38,198
<INTEREST-INVEST>                                   16,943
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                    55,141
<INTEREST-DEPOSIT>                                  18,680
<INTEREST-EXPENSE>                                  12,969
<INTEREST-INCOME-NET>                               31,649
<LOAN-LOSSES>                                        1,000
<SECURITIES-GAINS>                                     321
<EXPENSE-OTHER>                                     20,107
<INCOME-PRETAX>                                     11,479
<INCOME-PRE-EXTRAORDINARY>                          11,479
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         7,695
<EPS-BASIC>                                           0.16
<EPS-DILUTED>                                         0.16
<YIELD-ACTUAL>                                        3.26
<LOANS-NON>                                         13,377
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                    22,301
<CHARGE-OFFS>                                        2,068
<RECOVERIES>                                           402
<ALLOWANCE-CLOSE>                                   22,253
<ALLOWANCE-DOMESTIC>                                22,253
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                              2,740



</TABLE>