[ARTICLE] 9

                             
[PERIOD-TYPE]                   6-MOS
[FISCAL-YEAR-END]                          DEC-31-1999
[PERIOD-END]                               JUN-30-1999
[CASH]                                          41,248
[INT-BEARING-DEPOSITS]                             424
[FED-FUNDS-SOLD]                                     0
[TRADING-ASSETS]                                     0
[INVESTMENTS-HELD-FOR-SALE]                    729,719
[INVESTMENTS-CARRYING]                         525,478
[INVESTMENTS-MARKET]                           519,539
[LOANS]                                      1,072,323
[ALLOWANCE]                                     10,891
[TOTAL-ASSETS]                               2,488,762
[DEPOSITS]                                   1,241,432
[SHORT-TERM]                                   201,685
[LIABILITIES-OTHER]                            913,066
[LONG-TERM]                                      8,678
[PREFERRED-MANDATORY]                                0
[PREFERRED]                                          0
[COMMON]                                        43,456
[OTHER-SE]                                      80,445
[TOTAL-LIABILITIES-AND-EQUITY]               2,488,762
[INTEREST-LOAN]                                 43,087
[INTEREST-INVEST]                               38,289
[INTEREST-OTHER]                                    58
[INTEREST-TOTAL]                                81,434
[INTEREST-DEPOSIT]                              20,539
[INTEREST-EXPENSE]                              48,615
[INTEREST-INCOME-NET]                           32,819
[LOAN-LOSSES]                                    1,525
[SECURITIES-GAINS]                                 434
[EXPENSE-OTHER]                                 31,167
[INCOME-PRETAX]                                 14,277
[INCOME-PRE-EXTRAORDINARY]                      14,277
[EXTRAORDINARY]                                      0
[CHANGES]                                            0
[NET-INCOME]                                    10,576
[EPS-BASIC]                                      .79
[EPS-DILUTED]                                      .78
[YIELD-ACTUAL]                                    7.65
[LOANS-NON]                                     10,247
[LOANS-PAST]                                       435
[LOANS-TROUBLED]                                     0
[LOANS-PROBLEM]                                      0
[ALLOWANCE-OPEN]                                10,725
[CHARGE-OFFS]                                    1,860
[RECOVERIES]                                       501
[ALLOWANCE-CLOSE]                               10,891
[ALLOWANCE-DOMESTIC]                            10,891
[ALLOWANCE-FOREIGN]                                  0
[ALLOWANCE-UNALLOCATED]                          6,293