<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 17 of the Company's Form
10-Q for the year-to-date September 30, 1999 and is qualified in its
entirety by reference to such financial statements
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                          31,375
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 4,800
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    101,613
<INVESTMENTS-CARRYING>                         931,179
<INVESTMENTS-MARKET>                           921,997
<LOANS>                                      1,753,183
<ALLOWANCE>                                     14,364
<TOTAL-ASSETS>                               2,966,616
<DEPOSITS>                                   1,601,001
<SHORT-TERM>                                   795,028
<LIABILITIES-OTHER>                             55,028
<LONG-TERM>                                    381,725
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                     27,500
<COMMON>                                            76
<OTHER-SE>                                     106,258
<TOTAL-LIABILITIES-AND-EQUITY>               2,966,616
<INTEREST-LOAN>                                 98,766
<INTEREST-INVEST>                               48,633
<INTEREST-OTHER>                                 2,348
<INTEREST-TOTAL>                               149,747
<INTEREST-DEPOSIT>                              48,637
<INTEREST-EXPENSE>                              92,923
<INTEREST-INCOME-NET>                           56,824
<LOAN-LOSSES>                                    4,366
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 44,775
<INCOME-PRETAX>                                 15,106
<INCOME-PRE-EXTRAORDINARY>                       9,864
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     9,864
<EPS-BASIC>                                     1.36
<EPS-DILUTED>                                     1.33
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                11,358
<CHARGE-OFFS>                                    1,572
<RECOVERIES>                                       212
<ALLOWANCE-CLOSE>                               14,364
<ALLOWANCE-DOMESTIC>                            14,364
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0



</TABLE>