<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