<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> SEP-30-1999 <CASH> 123,273 <INT-BEARING-DEPOSITS> 2,426 <FED-FUNDS-SOLD> 63,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 390,773 <INVESTMENTS-CARRYING> 443,066 <INVESTMENTS-MARKET> 435,921 <LOANS> 1,772,107 <ALLOWANCE> 23,065 <TOTAL-ASSETS> 2,922,258 <DEPOSITS> 2,450,072 <SHORT-TERM> 127,340 <LIABILITIES-OTHER> 27,861 <LONG-TERM> 25,661 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 45,975 <OTHER-SE> 245,349 <TOTAL-LIABILITIES-AND-EQUITY> 2,922,258 <INTEREST-LOAN> 112,257 <INTEREST-INVEST> 35,943 <INTEREST-OTHER> 3,592 <INTEREST-TOTAL> 151,792 <INTEREST-DEPOSIT> 54,356 <INTEREST-EXPENSE> 3,673 <INTEREST-INCOME-NET> 93,763 <LOAN-LOSSES> 2,814 <SECURITIES-GAINS> 3,113 <EXPENSE-OTHER> 79,752 <INCOME-PRETAX> 47,761 <INCOME-PRE-EXTRAORDINARY> 31,002 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 31,002 <EPS-BASIC> 1.34 <EPS-DILUTED> 1.33 <YIELD-ACTUAL> 4.71 <LOANS-NON> 9,637 <LOANS-PAST> 4,308 <LOANS-TROUBLED> 215 <LOANS-PROBLEM> 16,674 <ALLOWANCE-OPEN> 22,646 <CHARGE-OFFS> 3,002 <RECOVERIES> 607 <ALLOWANCE-CLOSE> 23,065 <ALLOWANCE-DOMESTIC> 23,065 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0