<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE ANNUAL
FINANCIAL STATEMENTS OF THE REGISTRANT FOR THE YEAR ENDED DECEMBER 31, 1999 AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               DEC-31-1999
<CASH>                                         126,691
<INT-BEARING-DEPOSITS>                           1,715
<FED-FUNDS-SOLD>                                51,666
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    467,234
<INVESTMENTS-CARRYING>                         129,481
<INVESTMENTS-MARKET>                           128,275
<LOANS>                                      1,455,481
<ALLOWANCE>                                     22,548
<TOTAL-ASSETS>                               2,335,807
<DEPOSITS>                                   2,082,696
<SHORT-TERM>                                    22,091
<LIABILITIES-OTHER>                             14,914
<LONG-TERM>                                     51,392
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         8,112
<OTHER-SE>                                     156,602
<TOTAL-LIABILITIES-AND-EQUITY>               2,335,807
<INTEREST-LOAN>                                120,974
<INTEREST-INVEST>                               33,111
<INTEREST-OTHER>                                 5,299
<INTEREST-TOTAL>                               159,384
<INTEREST-DEPOSIT>                              60,840
<INTEREST-EXPENSE>                              66,149
<INTEREST-INCOME-NET>                           93,235
<LOAN-LOSSES>                                    2,521
<SECURITIES-GAINS>                                 244
<EXPENSE-OTHER>                                 81,453
<INCOME-PRETAX>                                 37,968
<INCOME-PRE-EXTRAORDINARY>                      23,949
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    23,949
<EPS-BASIC>                                       2.79
<EPS-DILUTED>                                     2.75
<YIELD-ACTUAL>                                    4.59
<LOANS-NON>                                      9,565
<LOANS-PAST>                                     1,666
<LOANS-TROUBLED>                                 1,059
<LOANS-PROBLEM>                                 33,081
<ALLOWANCE-OPEN>                                19,659
<CHARGE-OFFS>                                    3,101
<RECOVERIES>                                       969
<ALLOWANCE-CLOSE>                               22,548
<ALLOWANCE-DOMESTIC>                            22,548
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            897