<ARTICLE>                                             9


<MULTIPLIER>                                      1,000


                                        
<PERIOD-TYPE>                              6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                           42,185
<INT-BEARING-DEPOSITS>                               45
<FED-FUNDS-SOLD>                                293,000
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                     713,174
<INVESTMENTS-CARRYING>                                0
<INVESTMENTS-MARKET>                                  0
<LOANS>                                       1,325,549
<ALLOWANCE>                                      55,656
<TOTAL-ASSETS>                                2,409,016
<DEPOSITS>                                    2,044,731
<SHORT-TERM>                                    142,178
<LIABILITIES-OTHER>                              45,579
<LONG-TERM>                                           0
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                         28,164
<OTHER-SE>                                      148,364
<TOTAL-LIABILITIES-AND-EQUITY>                2,409,016
<INTEREST-LOAN>                                  53,026
<INTEREST-INVEST>                                21,840
<INTEREST-OTHER>                                  8,398
<INTEREST-TOTAL>                                 83,264
<INTEREST-DEPOSIT>                               34,923
<INTEREST-EXPENSE>                               37,852
<INTEREST-INCOME-NET>                            45,412
<LOAN-LOSSES>                                     3,013
<SECURITIES-GAINS>                               (1,077)
<EXPENSE-OTHER>                                  23,555
<INCOME-PRETAX>                                  28,514
<INCOME-PRE-EXTRAORDINARY>                       18,815
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                     18,815
<EPS-BASIC>                                      0.70 <F1>
<EPS-DILUTED>                                      0.67 <F2>
<YIELD-ACTUAL>                                     4.01
<LOANS-NON>                                       5,437
<LOANS-PAST>                                      1,915
<LOANS-TROUBLED>                                  4,116
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                 54,375
<CHARGE-OFFS>                                     4,677
<RECOVERIES>                                      2,945
<ALLOWANCE-CLOSE>                                55,656
<ALLOWANCE-DOMESTIC>                                  0
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                          55,656
<FN>                                                  0
<F1> EPS is reported as "Basic EPS" as prescribed by Statement
Accounting Standards No. 128.
<F2> EPS is reported as "Diluted EPS" as prescribed by Stateme
Accounting Standards No. 128.
</FN>