<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
consolidated statement of financial condition, the consolidated statement of
income and notes thereto found on pages 1 through 15 of the Company's Form 
10-Q for the year-to-date March 31, 1999 and is qualified in its entirety by
reference to such financial statements
</LEGEND>
       
<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                          47,801
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                18,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     87,887
<INVESTMENTS-CARRYING>                       1,062,264
<INVESTMENTS-MARKET>                         1,057,821
<LOANS>                                      1,603,898
<ALLOWANCE>                                     13,157
<TOTAL-ASSETS>                               2,964,915
<DEPOSITS>                                   1,665,176
<SHORT-TERM>                                   823,035
<LIABILITIES-OTHER>                             50,608
<LONG-TERM>                                    321,441
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            76
<OTHER-SE>                                     104,579
<TOTAL-LIABILITIES-AND-EQUITY>               2,964,915
<INTEREST-LOAN>                                 31,004
<INTEREST-INVEST>                               17,750
<INTEREST-OTHER>                                   772
<INTEREST-TOTAL>                                49,526
<INTEREST-DEPOSIT>                              16,810
<INTEREST-EXPENSE>                              31,110
<INTEREST-INCOME-NET>                           18,416
<LOAN-LOSSES>                                    2,331
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 14,127
<INCOME-PRETAX>                                  4,398
<INCOME-PRE-EXTRAORDINARY>                       2,772
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,772
<EPS-PRIMARY>                                     0.40
<EPS-DILUTED>                                     0.40
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                11,358
<CHARGE-OFFS>                                      553
<RECOVERIES>                                        21
<ALLOWANCE-CLOSE>                               13,157
<ALLOWANCE-DOMESTIC>                            13,157
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        


</TABLE>