<TABLE> <S> <C>

<ARTICLE>                        9
<MULTIPLIER>                  1000

<S>                                           <C>               <C>
<PERIOD-TYPE>                                       3-MOS             9-MOS
<FISCAL-YEAR-END>                             DEC-31-1999       DEC-31-1999
<PERIOD-START>                                JUL-01-1999       JAN-01-1999
<PERIOD-END>                                  SEP-30-1999       SEP-30-1999
<CASH>                                             37,694            37,694
<INT-BEARING-DEPOSITS>                            159,069           159,069
<FED-FUNDS-SOLD>                                    4,929             4,929
<TRADING-ASSETS>                                        0                 0
<INVESTMENTS-HELD-FOR-SALE>                       652,182           652,182
<INVESTMENTS-CARRYING>                            149,133           149,133
<INVESTMENTS-MARKET>                              143,262           143,262
<LOANS>                                         1,888,200         1,888,200
<ALLOWANCE>                                        24,160            24,160
<TOTAL-ASSETS>                                  3,052,135         3,052,135
<DEPOSITS>                                      2,131,110         2,131,110
<SHORT-TERM>                                      135,195           135,195
<LIABILITIES-OTHER>                                61,258            61,258
<LONG-TERM>                                       511,658           511,658
<PREFERRED-MANDATORY>                                   0                 0
<PREFERRED>                                             0                 0
<COMMON>                                          133,576           133,576
<OTHER-SE>                                         79,340            79,340
<TOTAL-LIABILITIES-AND-EQUITY>                  3,052,135         3,052,135
<INTEREST-LOAN>                                    38,167           117,680
<INTEREST-INVEST>                                  13,704            39,273
<INTEREST-OTHER>                                        0                 0
<INTEREST-TOTAL>                                   51,871           156,953
<INTEREST-DEPOSIT>                                 19,560            62,873
<INTEREST-EXPENSE>                                 27,412            83,124
<INTEREST-INCOME-NET>                              24,459            73,829
<LOAN-LOSSES>                                         300             1,100
<SECURITIES-GAINS>                                    789               966
<EXPENSE-OTHER>                                    19,896            59,620
<INCOME-PRETAX>                                    12,522            34,466
<INCOME-PRE-EXTRAORDINARY>                         12,522            34,466
<EXTRAORDINARY>                                         0                 0
<CHANGES>                                               0                 0
<NET-INCOME>                                        8,035            22,041
<EPS-BASIC>                                          0.16              0.44
<EPS-DILUTED>                                        0.16              0.43
<YIELD-ACTUAL>                                       3.51              3.52
<LOANS-NON>                                        13,871            13,871
<LOANS-PAST>                                            0                 0
<LOANS-TROUBLED>                                        0                 0
<LOANS-PROBLEM>                                         0                 0
<ALLOWANCE-OPEN>                                   25,625            26,665
<CHARGE-OFFS>                                       2,283             5,172
<RECOVERIES>                                          918             1,567
<ALLOWANCE-CLOSE>                                  24,160            24,160
<ALLOWANCE-DOMESTIC>                               24,160            24,160
<ALLOWANCE-FOREIGN>                                     0                 0
<ALLOWANCE-UNALLOCATED>                             4,772             4,772


</TABLE>