<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
DECEMBER 31, 1999 FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS
</LEGEND>
<MULTIPLIER> 1

                             
<PERIOD-TYPE>                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                      85,064,053
<INT-BEARING-DEPOSITS>                       2,361,784
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                556,191,355
<INVESTMENTS-CARRYING>                      25,201,876
<INVESTMENTS-MARKET>                        25,351,000
<LOANS>                                  1,195,986,791
<ALLOWANCE>                               (14,413,104)
<TOTAL-ASSETS>                           1,985,454,701
<DEPOSITS>                               1,530,083,303
<SHORT-TERM>                               277,230,026
<LIABILITIES-OTHER>                         18,503,921
<LONG-TERM>                                 27,704,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                    50,886,135
<OTHER-SE>                                  81,047,316
<TOTAL-LIABILITIES-AND-EQUITY>           1,985,454,701
<INTEREST-LOAN>                             94,493,565
<INTEREST-INVEST>                           33,963,262
<INTEREST-OTHER>                               522,216
<INTEREST-TOTAL>                           128,979,043
<INTEREST-DEPOSIT>                          51,330,450
<INTEREST-EXPENSE>                          66,379,906
<INTEREST-INCOME-NET>                       62,599,137
<LOAN-LOSSES>                                4,250,000
<SECURITIES-GAINS>                             215,640
<EXPENSE-OTHER>                             66,017,871
<INCOME-PRETAX>                             22,124,922
<INCOME-PRE-EXTRAORDINARY>                  22,124,922
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                16,560,117
<EPS-BASIC>                                        .81
<EPS-DILUTED>                                      .80
<YIELD-ACTUAL>                                    3.50
<LOANS-NON>                                  7,259,000
<LOANS-PAST>                                 1,794,000
<LOANS-TROUBLED>                               399,000
<LOANS-PROBLEM>                                950,000
<ALLOWANCE-OPEN>                            14,172,264
<CHARGE-OFFS>                                6,404,068
<RECOVERIES>                                 2,394,908
<ALLOWANCE-CLOSE>                           14,413,104
<ALLOWANCE-DOMESTIC>                        14,413,104
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0