<ARTICLE>                                       9


<MULTIPLIER>                                1,000

       
                                  
<PERIOD-TYPE>                        3-MOS
<FISCAL-YEAR-END>                    DEC-31-1999
<PERIOD-START>                       JAN-01-1999
<PERIOD-END>                         MAR-31-1999
<CASH>                                     37,341
<INT-BEARING-DEPOSITS>                        892
<FED-FUNDS-SOLD>                          364,000
<TRADING-ASSETS>                                0
<INVESTMENTS-HELD-FOR-SALE>               681,160
<INVESTMENTS-CARRYING>                          0
<INVESTMENTS-MARKET>                            0
<LOANS>                                 1,318,188
<ALLOWANCE>                                54,772
<TOTAL-ASSETS>                          2,434,163
<DEPOSITS>                              2,060,558
<SHORT-TERM>                              144,350
<LIABILITIES-OTHER>                        44,038
<LONG-TERM>                                     0
<PREFERRED-MANDATORY>                           0
<PREFERRED>                                     0
<COMMON>                                   28,163
<OTHER-SE>                                157,054
<TOTAL-LIABILITIES-AND-EQUITY>          2,434,163
<INTEREST-LOAN>                            26,560
<INTEREST-INVEST>                          10,890
<INTEREST-OTHER>                            4,216
<INTEREST-TOTAL>                           41,666
<INTEREST-DEPOSIT>                         17,791
<INTEREST-EXPENSE>                         19,239
<INTEREST-INCOME-NET>                      22,427
<LOAN-LOSSES>                               1,513
<SECURITIES-GAINS>                           (420)
<EXPENSE-OTHER>                            12,202
<INCOME-PRETAX>                            14,132
<INCOME-PRE-EXTRAORDINARY>                  9,323
<EXTRAORDINARY>                                 0
<CHANGES>                                       0
<NET-INCOME>                                9,323
<EPS-PRIMARY>                                0.35 <F1>
<EPS-DILUTED>                                0.33 <F2>
<YIELD-ACTUAL>                               3.94
<LOANS-NON>                                 7,801
<LOANS-PAST>                                  401
<LOANS-TROUBLED>                            3,905
<LOANS-PROBLEM>                                 0
<ALLOWANCE-OPEN>                           54,375
<CHARGE-OFFS>                               2,282
<RECOVERIES>                                1,166
<ALLOWANCE-CLOSE>                          54,772
<ALLOWANCE-DOMESTIC>                            0
<ALLOWANCE-FOREIGN>                             0
<ALLOWANCE-UNALLOCATED>                    54,772
        
<FN>
<F1> EPS is reported as "Basic EPS" as prescribed by Sta
Accounting Standards No. 128.
<F2> EPS is reported as "Diluted EPS" as prescribed by S
Accounting Standards No. 128.
</FN>