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

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                         103,902
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    683,670
<INVESTMENTS-CARRYING>                          62,282
<INVESTMENTS-MARKET>                            62,980
<LOANS>                                        730,763
<ALLOWANCE>                                     14,702
<TOTAL-ASSETS>                               1,626,463
<DEPOSITS>                                   1,245,942
<SHORT-TERM>                                   235,000
<LIABILITIES-OTHER>                             30,382
<LONG-TERM>                                        381
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        95,068
<OTHER-SE>                                      19,690
<TOTAL-LIABILITIES-AND-EQUITY>               1,626,463
<INTEREST-LOAN>                                 47,153
<INTEREST-INVEST>                               32,352
<INTEREST-OTHER>                                   188
<INTEREST-TOTAL>                                79,693
<INTEREST-DEPOSIT>                              16,172
<INTEREST-EXPENSE>                              24,845
<INTEREST-INCOME-NET>                           54,848
<LOAN-LOSSES>                                    1,900
<SECURITIES-GAINS>                                (77)
<EXPENSE-OTHER>                                 36,775
<INCOME-PRETAX>                                 28,450
<INCOME-PRE-EXTRAORDINARY>                      17,922
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    17,922
<EPS-BASIC>                                       1.08
<EPS-DILUTED>                                     1.04
<YIELD-ACTUAL>                                    5.22
<LOANS-NON>                                        219
<LOANS-PAST>                                        61
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,117
<ALLOWANCE-OPEN>                                13,364
<CHARGE-OFFS>                                      684
<RECOVERIES>                                       122
<ALLOWANCE-CLOSE>                               14,702
<ALLOWANCE-DOMESTIC>                            12,749
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,953