<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information from the
Consolidated Statement of Financial Condition at March 31, 1999 and the
Consolidated Statement of Operations for the three months Ended March 31,
1999 and is qualified in its entirety by reference to such financial
statements.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                          31,759
<INT-BEARING-DEPOSITS>                       1,560,473
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    941,027
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      1,424,126
<ALLOWANCE>                                     14,573
<TOTAL-ASSETS>                               2,550,159
<DEPOSITS>                                   1,804,795
<SHORT-TERM>                                   293,951
<LIABILITIES-OTHER>                             39,904
<LONG-TERM>                                    292,379
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           100
<OTHER-SE>                                     119,030
<TOTAL-LIABILITIES-AND-EQUITY>               2,550,159
<INTEREST-LOAN>                                 25,735
<INTEREST-INVEST>                               14,745
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                40,480
<INTEREST-DEPOSIT>                              17,165
<INTEREST-EXPENSE>                              24,274
<INTEREST-INCOME-NET>                           16,206
<LOAN-LOSSES>                                      675
<SECURITIES-GAINS>                                 335
<EXPENSE-OTHER>                                 22,389
<INCOME-PRETAX>                                  4,203
<INCOME-PRE-EXTRAORDINARY>                       4,203
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,600
<EPS-PRIMARY>                                     0.30
<EPS-DILUTED>                                     0.29
<YIELD-ACTUAL>                                    7.01
<LOANS-NON>                                      8,596
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 1,498
<LOANS-PROBLEM>                                 13,131
<ALLOWANCE-OPEN>                                13,978
<CHARGE-OFFS>                                      324
<RECOVERIES>                                       244
<ALLOWANCE-CLOSE>                               14,573
<ALLOWANCE-DOMESTIC>                            14,573
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0