<ARTICLE> 9
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<PERIOD-TYPE> 3-MOS 9-MOS 3-MOS 9-MOS
<FISCAL-YEAR-END> DEC-31-1999 DEC-31-1999 DEC-31-1998 DEC-31-1998
<PERIOD-START> JUL-01-1999 JAN-01-1999 JUL-01-1998 JAN-01-1998
<PERIOD-END> SEP-30-1999 SEP-30-1999 SEP-30-1998 SEP-30-1998
<CASH> 211,969 211,969 203,423 203,423
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<DEPOSITS> 3,080,560 3,080,560 3,077,042 3,077,042
<SHORT-TERM> 416,792 416,792 302,222 302,222
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<LONG-TERM> 46,500 46,500 52,500 52,500
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<COMMON> 189,689 189,689 191,127 191,127
<OTHER-SE> 126,746 126,746 184,982 184,982
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<INTEREST-INVEST> 17,892 52,913 17,866 53,443
<INTEREST-OTHER> 12 12 0 0
<INTEREST-TOTAL> 64,899 192,542 67,456 201,105
<INTEREST-DEPOSIT> 15,086 45,652 18,326 54,195
<INTEREST-EXPENSE> 19,796 58,106 22,446 66,524
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<LOAN-LOSSES> 1,195 3,585 1,195 3,985
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<EXPENSE-OTHER> 24,758 74,459 25,153 75,852
<INCOME-PRETAX> 29,091 85,120 28,113 82,764
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