<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> JUN-30-1999 <CASH> 63,981 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 350 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 582,854 <INVESTMENTS-CARRYING> 582,854 <INVESTMENTS-MARKET> 582,584 <LOANS> 1,153,150 <ALLOWANCE> 17,786 <TOTAL-ASSETS> 1,846,081 <DEPOSITS> 1,266,948 <SHORT-TERM> 279,259 <LIABILITIES-OTHER> 15,789 <LONG-TERM> 111,837 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 903 <OTHER-SE> 171,165 <TOTAL-LIABILITIES-AND-EQUITY> 1,846,081 <INTEREST-LOAN> 47,115 <INTEREST-INVEST> 18,254 <INTEREST-OTHER> 482 <INTEREST-TOTAL> 65,851 <INTEREST-DEPOSIT> 22,656 <INTEREST-EXPENSE> 32,611 <INTEREST-INCOME-NET> 33,240 <LOAN-LOSSES> 2,560 <SECURITIES-GAINS> 157 <EXPENSE-OTHER> 21,879 <INCOME-PRETAX> 14,572 <INCOME-PRE-EXTRAORDINARY> 14,572 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 10,378 <EPS-BASIC> $1.48 <EPS-DILUTED> $1.48 <YIELD-ACTUAL> 4.09 <LOANS-NON> 3,650 <LOANS-PAST> 7,159 <LOANS-TROUBLED> 1,397 <LOANS-PROBLEM> 2,092 <ALLOWANCE-OPEN> 16,429 <CHARGE-OFFS> 1,772 <RECOVERIES> 569 <ALLOWANCE-CLOSE> 17,786 <ALLOWANCE-DOMESTIC> 17,786 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0