<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1,000

<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>                                          54,130                  54,130
<INT-BEARING-DEPOSITS>                          38,391                  38,391
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                    524,691                 524,691
<INVESTMENTS-CARRYING>                          66,426                  66,426
<INVESTMENTS-MARKET>                            66,226                  66,226
<LOANS>                                      1,540,633               1,540,633
<ALLOWANCE>                                     21,082                  21,082
<TOTAL-ASSETS>                               2,346,306               2,346,306
<DEPOSITS>                                   1,742,781               1,742,781
<SHORT-TERM>                                   260,820                 260,820
<LIABILITIES-OTHER>                             31,025                  31,025
<LONG-TERM>                                    143,454                 143,454
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        85,368                  85,368
<OTHER-SE>                                      82,858                  82,858
<TOTAL-LIABILITIES-AND-EQUITY>               2,346,306               2,346,306
<INTEREST-LOAN>                                 33,707                  96,314
<INTEREST-INVEST>                                8,594                  23,670
<INTEREST-OTHER>                                   348                     486
<INTEREST-TOTAL>                                42,649                 120,470
<INTEREST-DEPOSIT>                              17,311                  48,673
<INTEREST-EXPENSE>                              22,324                  61,962
<INTEREST-INCOME-NET>                           20,325                  58,508
<LOAN-LOSSES>                                    1,606                   4,857
<SECURITIES-GAINS>                                  53                     585
<EXPENSE-OTHER>                                 13,270                  38,003
<INCOME-PRETAX>                                 10,728                  31,109
<INCOME-PRE-EXTRAORDINARY>                      10,728                  31,109
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     7,210                  20,679
<EPS-BASIC>                                       0.29                    0.82
<EPS-DILUTED>                                     0.28                    0.80
<YIELD-ACTUAL>                                    7.91                    7.90
<LOANS-NON>                                      3,653                   3,653
<LOANS-PAST>                                     6,067                   6,067
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                20,606                  19,584
<CHARGE-OFFS>                                    1,352                   3,369
<RECOVERIES>                                       222                     570
<ALLOWANCE-CLOSE>                               21,082                  21,082
<ALLOWANCE-DOMESTIC>                            21,082                  21,082
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0


</TABLE>