<ARTICLE>                                            9
<CIK>                                          0000714310
<NAME>                                         VALLEY NATIONAL BANCORP

                             
<PERIOD-TYPE>                                  3-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-START>                                 JUL-01-1999
<PERIOD-END>                                   SEP-30-1999
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