<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                          41,740
<INT-BEARING-DEPOSITS>                             266
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,212,987
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      1,071,647
<ALLOWANCE>                                     10,911
<TOTAL-ASSETS>                               2,448,693
<DEPOSITS>                                   1,214,392
<SHORT-TERM>                                   197,851
<LIABILITIES-OTHER>                            878,089
<LONG-TERM>                                     40,552
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        43,461
<OTHER-SE>                                      74,348
<TOTAL-LIABILITIES-AND-EQUITY>               2,448,693
<INTEREST-LOAN>                                 64,852
<INTEREST-INVEST>                               58,445
<INTEREST-OTHER>                                    89
<INTEREST-TOTAL>                               123,386
<INTEREST-DEPOSIT>                              30,692
<INTEREST-EXPENSE>                              73,814
<INTEREST-INCOME-NET>                           49,572
<LOAN-LOSSES>                                    1,750
<SECURITIES-GAINS>                                 431
<EXPENSE-OTHER>                                 46,082
<INCOME-PRETAX>                                 21,141
<INCOME-PRE-EXTRAORDINARY>                      21,141
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    15,668
<EPS-BASIC>                                       1.17
<EPS-DILUTED>                                     1.16
<YIELD-ACTUAL>                                    7.27
<LOANS-NON>                                      9,888
<LOANS-PAST>                                       453
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                10,725
<CHARGE-OFFS>                                    2,150
<RECOVERIES>                                       586
<ALLOWANCE-CLOSE>                               10,911
<ALLOWANCE-DOMESTIC>                            10,911
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          4,458