<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 12-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> DEC-31-1999 <CASH> 122,782 <INT-BEARING-DEPOSITS> 225 <FED-FUNDS-SOLD> 66,512 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 393,169 <INVESTMENTS-CARRYING> 449,854 <INVESTMENTS-MARKET> 437,538 <LOANS> 1,784,730 <ALLOWANCE> 22,870 <TOTAL-ASSETS> 2,954,934 <DEPOSITS> 2,482,205 <SHORT-TERM> 119,128 <LIABILITIES-OTHER> 27,593 <LONG-TERM> 25,443 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 45,969 <OTHER-SE> 245,596 <TOTAL-LIABILITIES-AND-EQUITY> 2,945,934 <INTEREST-LOAN> 150,068 <INTEREST-INVEST> 49,081 <INTEREST-OTHER> 5,017 <INTEREST-TOTAL> 204,166 <INTEREST-DEPOSIT> 72,755 <INTEREST-EXPENSE> 5,540 <INTEREST-INCOME-NET> 125,871 <LOAN-LOSSES> 3,621 <SECURITIES-GAINS> 3,112 <EXPENSE-OTHER> 106,893 <INCOME-PRETAX> 62,999 <INCOME-PRE-EXTRAORDINARY> 62,999 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 41,285 <EPS-BASIC> 1.79 <EPS-DILUTED> 1.78 <YIELD-ACTUAL> 4.77 <LOANS-NON> 8,472 <LOANS-PAST> 4,271 <LOANS-TROUBLED> 166 <LOANS-PROBLEM> 17,301 <ALLOWANCE-OPEN> 22,646 <CHARGE-OFFS> 4,224 <RECOVERIES> 827 <ALLOWANCE-CLOSE> 22,870 <ALLOWANCE-DOMESTIC> 22,870 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0