<ARTICLE> 9 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> DEC-31-1999 <CASH> 60,245 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 106 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 245,583 <INVESTMENTS-CARRYING> 12,408 <INVESTMENTS-MARKET> 12,312 <LOANS> 1,747,206 <ALLOWANCE> 16,828 <TOTAL-ASSETS> 2,122,785 <DEPOSITS> 1,515,622 <SHORT-TERM> 40,787 <LIABILITIES-OTHER> 18,520 <LONG-TERM> 273,835 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 268 <OTHER-SE> 273,753 <TOTAL-LIABILITIES-AND-EQUITY> 2,122,785 <INTEREST-LOAN> 120,218 <INTEREST-INVEST> 17,357 <INTEREST-OTHER> 377 <INTEREST-TOTAL> 137,952 <INTEREST-DEPOSIT> 53,253 <INTEREST-EXPENSE> 63,510 <INTEREST-INCOME-NET> 74,442 <LOAN-LOSSES> 2,000 <SECURITIES-GAINS> 164 <EXPENSE-OTHER> 44,516 <INCOME-PRETAX> 37,920 <INCOME-PRE-EXTRAORDINARY> 37,920 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 24,526 <EPS-BASIC> 0.97 <EPS-DILUTED> 0.97 <YIELD-ACTUAL> 3.93 <LOANS-NON> 5,734 <LOANS-PAST> 1,776 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 15,914 <CHARGE-OFFS> 1,638 <RECOVERIES> 552 <ALLOWANCE-CLOSE> 16,828 <ALLOWANCE-DOMESTIC> 16,828 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0