<ARTICLE> 9
<LEGEND>
"This schedule contains summary financial information extracted from SEC Form
10-Q and is qualified in its entirety by reference to such financial
statements."
</LEGEND>

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1998
<PERIOD-END>                               SEP-30-1999
<CASH>                                          37,766
<INT-BEARING-DEPOSITS>                              52
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    585,444
<INVESTMENTS-CARRYING>                          23,279
<INVESTMENTS-MARKET>                            23,702
<LOANS>                                      1,435,365
<ALLOWANCE>                                     28,405
<TOTAL-ASSETS>                               2,180,165
<DEPOSITS>                                   1,412,224
<SHORT-TERM>                                   103,946
<LIABILITIES-OTHER>                             43,645
<LONG-TERM>                                    378,912
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        74,285
<OTHER-SE>                                     167,153
<TOTAL-LIABILITIES-AND-EQUITY>               2,180,165
<INTEREST-LOAN>                                 88,557
<INTEREST-INVEST>                               26,513
<INTEREST-OTHER>                                   338
<INTEREST-TOTAL>                               115,408
<INTEREST-DEPOSIT>                              35,002
<INTEREST-EXPENSE>                              50,823
<INTEREST-INCOME-NET>                           64,585
<LOAN-LOSSES>                                    3,000
<SECURITIES-GAINS>                               2,843
<EXPENSE-OTHER>                                 32,564
<INCOME-PRETAX>                                 44,186
<INCOME-PRE-EXTRAORDINARY>                      44,186
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    30,768
<EPS-BASIC>                                     1.13
<EPS-DILUTED>                                     1.12
<YIELD-ACTUAL>                                    4.59
<LOANS-NON>                                      3,473
<LOANS-PAST>                                     3,473
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                26,677
<CHARGE-OFFS>                                    3,870
<RECOVERIES>                                     2,598
<ALLOWANCE-CLOSE>                               28,405
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0