<ARTICLE>                                                                      9
<MULTIPLIER>                                                               1,000

                                                                            
<PERIOD-TYPE>                                                                       12-MOS
<FISCAL-YEAR-END>                                                              DEC-31-1999
<PERIOD-END>                                                                   DEC-31-1999
<CASH>                                                                             119,229
<INT-BEARING-DEPOSITS>                                                                   4
<FED-FUNDS-SOLD>                                                                    68,741
<TRADING-ASSETS>                                                                         0
<INVESTMENTS-HELD-FOR-SALE>                                                        233,855
<INVESTMENTS-CARRYING>                                                             422,363
<INVESTMENTS-MARKET>                                                               414,407
<LOANS>                                                                            797,275
<ALLOWANCE>                                                                          8,938
<TOTAL-ASSETS>                                                                   1,723,369
<DEPOSITS>                                                                       1,524,704
<SHORT-TERM>                                                                         9,748
<LIABILITIES-OTHER>                                                                 10,254
<LONG-TERM>                                                                              0
<PREFERRED-MANDATORY>                                                                    0
<PREFERRED>                                                                              0
<COMMON>                                                                            99,743
<OTHER-SE>                                                                          78,920
<TOTAL-LIABILITIES-AND-EQUITY>                                                   1,723,369
<INTEREST-LOAN>                                                                     68,707
<INTEREST-INVEST>                                                                   36,830
<INTEREST-OTHER>                                                                     4,476
<INTEREST-TOTAL>                                                                   110,013
<INTEREST-DEPOSIT>                                                                  43,121
<INTEREST-EXPENSE>                                                                  43,338
<INTEREST-INCOME-NET>                                                               66,675
<LOAN-LOSSES>                                                                        2,031
<SECURITIES-GAINS>                                                                       0
<EXPENSE-OTHER>                                                                     51,933
<INCOME-PRETAX>                                                                     37,194
<INCOME-PRE-EXTRAORDINARY>                                                          25,691
<EXTRAORDINARY>                                                                          0
<CHANGES>                                                                                0
<NET-INCOME>                                                                        25,691
<EPS-BASIC>                                                                              2.58
<EPS-DILUTED>                                                                            2.57
<YIELD-ACTUAL>                                                                           4.54
<LOANS-NON>                                                                          1,389
<LOANS-PAST>                                                                            63
<LOANS-TROUBLED>                                                                         0
<LOANS-PROBLEM>                                                                        390
<ALLOWANCE-OPEN>                                                                     8,988
<CHARGE-OFFS>                                                                        3,821
<RECOVERIES>                                                                         1,740
<ALLOWANCE-CLOSE>                                                                    8,938
<ALLOWANCE-DOMESTIC>                                                                 8,938
<ALLOWANCE-FOREIGN>                                                                      0
<ALLOWANCE-UNALLOCATED>                                                                  0