<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> JUN-30-2000 <CASH> 70,931 <INT-BEARING-DEPOSITS> 7,482 <FED-FUNDS-SOLD> 3,400 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 1,901,146 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 2,706,923 <ALLOWANCE> 14,694 <TOTAL-ASSETS> 4,976,345 <DEPOSITS> 2,254,103 <SHORT-TERM> 1,408,661 <LIABILITIES-OTHER> 60,014 <LONG-TERM> 695,688 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 451 <OTHER-SE> 557,428 <TOTAL-LIABILITIES-AND-EQUITY> 4,976,345 <INTEREST-LOAN> 93,609 <INTEREST-INVEST> 71,327 <INTEREST-OTHER> 674 <INTEREST-TOTAL> 165,610 <INTEREST-DEPOSIT> 32,087 <INTEREST-EXPENSE> 94,777 <INTEREST-INCOME-NET> 70,833 <LOAN-LOSSES> 29 <SECURITIES-GAINS> (1,158) <EXPENSE-OTHER> 45,639 <INCOME-PRETAX> 41,878 <INCOME-PRE-EXTRAORDINARY> 41,878 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 25,659 <EPS-BASIC> .75 <EPS-DILUTED> .75 <YIELD-ACTUAL> 7.25 <LOANS-NON> 12,571 <LOANS-PAST> 8,850 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 4,126 <ALLOWANCE-OPEN> 14,271 <CHARGE-OFFS> 887 <RECOVERIES> 434 <ALLOWANCE-CLOSE> 14,694 <ALLOWANCE-DOMESTIC> 14,694 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0