WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>


                                   Exhibit 27
                             Financial Data Schedule

<PAGE>

<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  June  30, 1999 and is qualified in its entirety by
reference  to  such  financial  statements
</LEGEND>


<S>                                        <C>
<PERIOD-TYPE>                              6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                          37,178
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 2,900
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    106,129
<INVESTMENTS-CARRYING>                         977,813
<INVESTMENTS-MARKET>                           969,857
<LOANS>                                      1,673,727
<ALLOWANCE>                                     13,384
<TOTAL-ASSETS>                               2,941,636
<DEPOSITS>                                   1,624,615
<SHORT-TERM>                                   715,937
<LIABILITIES-OTHER>                             50,785
<LONG-TERM>                                    418,972
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                     27,500
<COMMON>                                            76
<OTHER-SE>                                     103,751
<TOTAL-LIABILITIES-AND-EQUITY>               2,941,636
<INTEREST-LOAN>                                 63,828
<INTEREST-INVEST>                               33,489
<INTEREST-OTHER>                                 1,560
<INTEREST-TOTAL>                                98,877
<INTEREST-DEPOSIT>                              32,878
<INTEREST-EXPENSE>                              61,614
<INTEREST-INCOME-NET>                           37,263
<LOAN-LOSSES>                                    3,006
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 29,592
<INCOME-PRETAX>                                  9,518
<INCOME-PRE-EXTRAORDINARY>                       6,119
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,119
<EPS-BASIC>                                     0.87
<EPS-DILUTED>                                     0.85
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                11,358
<CHARGE-OFFS>                                    1,107
<RECOVERIES>                                       127
<ALLOWANCE-CLOSE>                               13,384
<ALLOWANCE-DOMESTIC>                            13,384
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0




</TABLE>