<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                          47,317
<INT-BEARING-DEPOSITS>                           9,651
<FED-FUNDS-SOLD>                                67,175
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  2,051,995
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      1,678,833
<ALLOWANCE>                                     16,617
<TOTAL-ASSETS>                               3,912,357
<DEPOSITS>                                   1,770,712
<SHORT-TERM>                                   930,962
<LIABILITIES-OTHER>                             45,442
<LONG-TERM>                                    518,040
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           451
<OTHER-SE>                                     647,350
<TOTAL-LIABILITIES-AND-EQUITY>               3,912,357
<INTEREST-LOAN>                                 30,665
<INTEREST-INVEST>                               31,352
<INTEREST-OTHER>                                   727
<INTEREST-TOTAL>                                62,744
<INTEREST-DEPOSIT>                              12,013
<INTEREST-EXPENSE>                              29,727
<INTEREST-INCOME-NET>                           33,017
<LOAN-LOSSES>                                       59
<SECURITIES-GAINS>                                 124
<EXPENSE-OTHER>                                 17,679
<INCOME-PRETAX>                                 20,897
<INCOME-PRE-EXTRAORDINARY>                      20,897
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    12,320
<EPS-PRIMARY>                                      .31
<EPS-DILUTED>                                      .31
<YIELD-ACTUAL>                                    6.96
<LOANS-NON>                                     14,629
<LOANS-PAST>                                     9,200
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,053
<ALLOWANCE-OPEN>                                16,617
<CHARGE-OFFS>                                      393
<RECOVERIES>                                       334
<ALLOWANCE-CLOSE>                               16,617
<ALLOWANCE-DOMESTIC>                            16,617
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0