<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE SEPTEMBER 30, 1999 FINANCIAL STATEMENTS IN ITEM 1 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> SEP-30-1999 <CASH> 68,014 <INT-BEARING-DEPOSITS> 12,996 <FED-FUNDS-SOLD> 61,535 <TRADING-ASSETS> 3,573 <INVESTMENTS-HELD-FOR-SALE> 326,661 <INVESTMENTS-CARRYING> 21,520 <INVESTMENTS-MARKET> 21,743 <LOANS> 1,252,806 <ALLOWANCE> (17,553) <TOTAL-ASSETS> 1,863,368 <DEPOSITS> 1,408,965 <SHORT-TERM> 48,389 <LIABILITIES-OTHER> 45,975 <LONG-TERM> 71,025 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 11,185 <OTHER-SE> 126,456 <TOTAL-LIABILITIES-AND-EQUITY> 1,863,368 <INTEREST-LOAN> 73,877 <INTEREST-INVEST> 14,716 <INTEREST-OTHER> 2,245 <INTEREST-TOTAL> 90,838 <INTEREST-DEPOSIT> 34,327 <INTEREST-EXPENSE> 42,462 <INTEREST-INCOME-NET> 48,376 <LOAN-LOSSES> 1,338 <SECURITIES-GAINS> 189 <EXPENSE-OTHER> 45,853 <INCOME-PRETAX> 23,571 <INCOME-PRE-EXTRAORDINARY> 16,119 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 16,119 <EPS-BASIC> 1.45 <EPS-DILUTED> 1.43 <YIELD-ACTUAL> 4.18 <LOANS-NON> 4,056 <LOANS-PAST> 0 <LOANS-TROUBLED> 499 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 16,540 <CHARGE-OFFS> 875 <RECOVERIES> 550 <ALLOWANCE-CLOSE> 17,553 <ALLOWANCE-DOMESTIC> 17,553 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0