<ARTICLE> 9
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                         104,787
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                32,815
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    881,064
<INVESTMENTS-CARRYING>                          40,069
<INVESTMENTS-MARKET>                            40,633
<LOANS>                                      2,957,119
<ALLOWANCE>                                     36,465
<TOTAL-ASSETS>                               4,254,890
<DEPOSITS>                                   3,153,367
<SHORT-TERM>                                   240,583
<LIABILITIES-OTHER>                             47,607
<LONG-TERM>                                    403,825
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        73,980
<OTHER-SE>                                     335,528
<TOTAL-LIABILITIES-AND-EQUITY>               4,254,890
<INTEREST-LOAN>                                179,553
<INTEREST-INVEST>                               41,414
<INTEREST-OTHER>                                 1,927
<INTEREST-TOTAL>                               222,894
<INTEREST-DEPOSIT>                              79,210
<INTEREST-EXPENSE>                             102,617
<INTEREST-INCOME-NET>                          120,277
<LOAN-LOSSES>                                    4,214
<SECURITIES-GAINS>                                 958
<EXPENSE-OTHER>                                 89,010
<INCOME-PRETAX>                                 56,076
<INCOME-PRE-EXTRAORDINARY>                      38,839
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    38,839
<EPS-BASIC>                                       1.05
<EPS-DILUTED>                                     1.05
<YIELD-ACTUAL>                                    7.79
<LOANS-NON>                                     22,667
<LOANS-PAST>                                     9,791
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                36,157
<CHARGE-OFFS>                                    5,350
<RECOVERIES>                                     1,444
<ALLOWANCE-CLOSE>                               36,465
<ALLOWANCE-DOMESTIC>                            36,465
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0