<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> MAR-31-1999 <CASH> 37,806 <INT-BEARING-DEPOSITS> 110 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 689,944 <INVESTMENTS-CARRYING> 492,297 <INVESTMENTS-MARKET> 497,839 <LOANS> 1,082,102 <ALLOWANCE> 10,760 <TOTAL-ASSETS> 2,417,372 <DEPOSITS> 1,256,159 <SHORT-TERM> 203,048 <LIABILITIES-OTHER> 813,777 <LONG-TERM> 8,684 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 43,444 <OTHER-SE> 92,260 <TOTAL-LIABILITIES-AND-EQUITY> 135,704 <INTEREST-LOAN> 21,495 <INTEREST-INVEST> 18,697 <INTEREST-OTHER> 32 <INTEREST-TOTAL> 40,224 <INTEREST-DEPOSIT> 10,116 <INTEREST-EXPENSE> 24,079 <INTEREST-INCOME-NET> 16,145 <LOAN-LOSSES> 375 <SECURITIES-GAINS> 296 <EXPENSE-OTHER> 15,102 <INCOME-PRETAX> 6,852 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,036 <EPS-PRIMARY> 0.37 <EPS-DILUTED> 0.37 <YIELD-ACTUAL> 7.26 <LOANS-NON> 5,840 <LOANS-PAST> 476 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 10,725 <CHARGE-OFFS> 612 <RECOVERIES> 272 <ALLOWANCE-CLOSE> 10,760 <ALLOWANCE-DOMESTIC> 10,760 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 5,181