<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE JUNE 30,
1999, CONSOLIDATED BALANCE SHEET, AND THE JUNE 30, 1999, CONSOLIDATED STATEMENT
OF EARNINGS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS
</LEGEND>

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                          88,963
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    679,268
<INVESTMENTS-CARRYING>                          53,178
<INVESTMENTS-MARKET>                            54,620
<LOANS>                                        716,319
<ALLOWANCE>                                     14,405
<TOTAL-ASSETS>                               1,602,586
<DEPOSITS>                                   1,206,786
<SHORT-TERM>                                   211,000
<LIABILITIES-OTHER>                             66,309
<LONG-TERM>                                        388
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        94,735
<OTHER-SE>                                      23,368
<TOTAL-LIABILITIES-AND-EQUITY>               1,602,586
<INTEREST-LOAN>                                 30,884
<INTEREST-INVEST>                               21,275
<INTEREST-OTHER>                                   113
<INTEREST-TOTAL>                                52,272
<INTEREST-DEPOSIT>                              10,483
<INTEREST-EXPENSE>                              16,229
<INTEREST-INCOME-NET>                           36,043
<LOAN-LOSSES>                                    1,100
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 24,696
<INCOME-PRETAX>                                 18,353
<INCOME-PRE-EXTRAORDINARY>                      11,571
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    11,571
<EPS-BASIC>                                     0.70
<EPS-DILUTED>                                     0.67
<YIELD-ACTUAL>                                    5.21
<LOANS-NON>                                      4,648
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,065
<ALLOWANCE-OPEN>                                13,364
<CHARGE-OFFS>                                      160
<RECOVERIES>                                       101
<ALLOWANCE-CLOSE>                               14,405
<ALLOWANCE-DOMESTIC>                            13,239
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,166