<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> MAR-31-1999 <CASH> 36,829 <INT-BEARING-DEPOSITS> 265,437 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 75,895 <INVESTMENTS-HELD-FOR-SALE> 80,638 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 1,527,642 <ALLOWANCE> 25,738 <TOTAL-ASSETS> 2,204,160 <DEPOSITS> 1,582,132 <SHORT-TERM> 22,589 <LIABILITIES-OTHER> 68,034 <LONG-TERM> 289,870 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 127,515 <OTHER-SE> 114,064 <TOTAL-LIABILITIES-AND-EQUITY> 2,204,160 <INTEREST-LOAN> 47,577 <INTEREST-INVEST> 7,045 <INTEREST-OTHER> 1,942 <INTEREST-TOTAL> 56,564 <INTEREST-DEPOSIT> 22,634 <INTEREST-EXPENSE> 31,313 <INTEREST-INCOME-NET> 25,251 <LOAN-LOSSES> 2,200 <SECURITIES-GAINS> 479 <EXPENSE-OTHER> 30,908 <INCOME-PRETAX> 10,076 <INCOME-PRE-EXTRAORDINARY> 6,762 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6,762 <EPS-PRIMARY> .18 <EPS-DILUTED> .18 <YIELD-ACTUAL> 0 <LOANS-NON> 43,371 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 25,738 <CHARGE-OFFS> 3,666 <RECOVERIES> 325 <ALLOWANCE-CLOSE> 24,597 <ALLOWANCE-DOMESTIC> 24,597 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0