<ARTICLE>   9
<PERIOD-TYPE>                                     3-MOS
<FISCAL-YEAR-END>                                 DEC-31-1999
<PERIOD-START>                                    JAN-1-1999
<PERIOD-END>                                      MAR-31-1999
<CASH>                                                   142,080
<INT-BEARING-DEPOSITS>                                     9,783
<FED-FUNDS-SOLD>                                         195,000
<TRADING-ASSETS>                                               0
<INVESTMENTS-HELD-FOR-SALE>                              494,523
<INVESTMENTS-CARRYING>                                   494,523
<INVESTMENTS-MARKET>                                     494,523
<LOANS>                                                3,658,139
<ALLOWANCE>                                               52,264
<TOTAL-ASSETS>                                         5,484,569
<DEPOSITS>                                             4,706,818
<SHORT-TERM>                                              67,413
<LIABILITIES-OTHER>                                       65,506
<LONG-TERM>                                              168,012
<COMMON>                                                 140,129
<PREFERRED-MANDATORY>                                          0
<PREFERRED>                                                    0
<OTHER-SE>                                               336,691
<TOTAL-LIABILITIES-AND-EQUITY>                         5,484,569
<INTEREST-LOAN>                                           79,316
<INTEREST-INVEST>                                          9,601
<INTEREST-OTHER>                                          10,426
<INTEREST-TOTAL>                                          99,343
<INTEREST-DEPOSIT>                                        43,648
<INTEREST-EXPENSE>                                        46,954
<INTEREST-INCOME-NET>                                     52,389
<LOAN-LOSSES>                                              3,063
<SECURITIES-GAINS>                                         4,288
<EXPENSE-OTHER>                                           46,934
<INCOME-PRETAX>                                           22,541
<INCOME-PRE-EXTRAORDINARY>                                22,541
<EXTRAORDINARY>                                                0
<CHANGES>                                                      0
<NET-INCOME>                                              16,310
<EPS-PRIMARY>                                                0.29
<EPS-DILUTED>                                                0.29
<YIELD-ACTUAL>                                               4.29
<LOANS-NON>                                                8,312
<LOANS-PAST>                                               8,838
<LOANS-TROUBLED>                                             119
<LOANS-PROBLEM>                                                0
<ALLOWANCE-OPEN>                                          49,618
<CHARGE-OFFS>                                              2,375
<RECOVERIES>                                                 492
<ALLOWANCE-CLOSE>                                         52,264
<ALLOWANCE-DOMESTIC>                                      52,264
<ALLOWANCE-FOREIGN>                                            0
<ALLOWANCE-UNALLOCATED>                                        0