<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Statement of Financial Condition at September 30, 1999 and
the Consolidated Statement of Operations for the nine months ended
September 30, 1999 and is qualified in its entirety by reference to such
financial statements.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                          54,928
<INT-BEARING-DEPOSITS>                       1,829,598
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    992,768
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      1,736,830
<ALLOWANCE>                                     15,828
<TOTAL-ASSETS>                               2,941,840
<DEPOSITS>                                   2,015,509
<SHORT-TERM>                                   505,046
<LIABILITIES-OTHER>                             38,397
<LONG-TERM>                                    271,924
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           100
<OTHER-SE>                                     110,864
<TOTAL-LIABILITIES-AND-EQUITY>               2,941,840
<INTEREST-LOAN>                                 85,490
<INTEREST-INVEST>                               47,704
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                               133,194
<INTEREST-DEPOSIT>                              54,636
<INTEREST-EXPENSE>                              80,516
<INTEREST-INCOME-NET>                           52,678
<LOAN-LOSSES>                                    2,590
<SECURITIES-GAINS>                               1,680
<EXPENSE-OTHER>                                 61,647
<INCOME-PRETAX>                                 14,382
<INCOME-PRE-EXTRAORDINARY>                      14,382
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     8,878
<EPS-BASIC>                                       1.02
<EPS-DILUTED>                                     0.97
<YIELD-ACTUAL>                                    7.03
<LOANS-NON>                                      7,478
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   735
<LOANS-PROBLEM>                                  8,251
<ALLOWANCE-OPEN>                                13,978
<CHARGE-OFFS>                                    1,092
<RECOVERIES>                                       352
<ALLOWANCE-CLOSE>                               15,828
<ALLOWANCE-DOMESTIC>                            15,828
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0