<TABLE> <S> <C>


<ARTICLE>                          9
<MULTIPLIER>                       1,000

<S>                                           <C>                          <C>
<PERIOD-TYPE>                                 3-MOS                       6-MOS
<FISCAL-YEAR-END>                              DEC-31-1999                 DEC-31-1999
<PERIOD-START>                                 APR-01-1999                 JAN-01-1999
<PERIOD-END>                                   JUN-30-1999                 JUN-30-1999
<CASH>                                         60,092                       0
<INT-BEARING-DEPOSITS>                         11,345                       0
<FED-FUNDS-SOLD>                               0                            0
<TRADING-ASSETS>                               0                            0
<INVESTMENTS-HELD-FOR-SALE>                    543,105                      0
<INVESTMENTS-CARRYING>                         41,667                       0
<INVESTMENTS-MARKET>                           41,893                       0
<LOANS>                                        1,509,381                    0
<ALLOWANCE>                                    20,606                       0
<TOTAL-ASSETS>                                 2,285,333                    0
<DEPOSITS>                                     1,751,508                    0
<SHORT-TERM>                                   321,117                      0
<LIABILITIES-OTHER>                            27,961                       0
<LONG-TERM>                                    19,953                       0
<PREFERRED-MANDATORY>                          0                            0
<PREFERRED>                                    0                            0
<COMMON>                                       84,299                       0
<OTHER-SE>                                     80,495                       0
<TOTAL-LIABILITIES-AND-EQUITY>                 2,285,333                    0
<INTEREST-LOAN>                                32,239                       62,657
<INTEREST-INVEST>                              7,756                        15,076
<INTEREST-OTHER>                               69                           138
<INTEREST-TOTAL>                               40,064                       77,821
<INTEREST-DEPOSIT>                             16,053                       31,362
<INTEREST-EXPENSE>                             20,739                       39,638
<INTEREST-INCOME-NET>                          19,685                       38,183
<LOAN-LOSSES>                                  1,936                        3,251
<SECURITIES-GAINS>                             240                          532
<EXPENSE-OTHER>                                12,789                       24,733
<INCOME-PRETAX>                                10,369                       20,381
<INCOME-PRE-EXTRAORDINARY>                     10,369                       20,381
<EXTRAORDINARY>                                0                            0
<CHANGES>                                      0                            0
<NET-INCOME>                                   6,867                        13,469
<EPS-BASIC>                                  .27                          .54
<EPS-DILUTED>                                  .27                          .52
<YIELD-ACTUAL>                                 0                            0
<LOANS-NON>                                    3,488                        0
<LOANS-PAST>                                   5,472                        0
<LOANS-TROUBLED>                               0                            0
<LOANS-PROBLEM>                                0                            0
<ALLOWANCE-OPEN>                               19,682                       19,584
<CHARGE-OFFS>                                  1,157                        2,517
<RECOVERIES>                                   145                          288
<ALLOWANCE-CLOSE>                              20,606                       20,606
<ALLOWANCE-DOMESTIC>                           20,606                       20,606
<ALLOWANCE-FOREIGN>                            0                            0
<ALLOWANCE-UNALLOCATED>                        0                            0


</TABLE>