<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