<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> SEP-30-1999 <CASH> 58,748 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 4,200 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 560,414 <INVESTMENTS-CARRYING> 560,414 <INVESTMENTS-MARKET> 560,414 <LOANS> 1,194,078 <ALLOWANCE> 17,886 <TOTAL-ASSETS> 1,872,174 <DEPOSITS> 1,233,179 <SHORT-TERM> 342,202 <LIABILITIES-OTHER> 16,638 <LONG-TERM> 107,892 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 903 <OTHER-SE> 171,360 <TOTAL-LIABILITIES-AND-EQUITY> 1,872,174 <INTEREST-LOAN> 71,887 <INTEREST-INVEST> 27,359 <INTEREST-OTHER> 505 <INTEREST-TOTAL> 99,751 <INTEREST-DEPOSIT> 33,853 <INTEREST-EXPENSE> 49,303 <INTEREST-INCOME-NET> 50,448 <LOAN-LOSSES> 3,644 <SECURITIES-GAINS> 194 <EXPENSE-OTHER> 32,833 <INCOME-PRETAX> 22,392 <INCOME-PRE-EXTRAORDINARY> 22,392 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 15,898 <EPS-BASIC> 2.28 <EPS-DILUTED> 2.28 <YIELD-ACTUAL> 4.14 <LOANS-NON> 3,405 <LOANS-PAST> 5,587 <LOANS-TROUBLED> 945 <LOANS-PROBLEM> 2,176 <ALLOWANCE-OPEN> 16,429 <CHARGE-OFFS> 3,013 <RECOVERIES> 826 <ALLOWANCE-CLOSE> 17,886 <ALLOWANCE-DOMESTIC> 17,886 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0