<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> APR-01-1999 <PERIOD-END> JUN-30-1999 <CASH> 73,097 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 59,050 <INVESTMENTS-MARKET> 0 <LOANS> 3,292,411 <ALLOWANCE> 21,500 <TOTAL-ASSETS> 3,749,281 <DEPOSITS> 2,146,357 <SHORT-TERM> 897,977 <LIABILITIES-OTHER> 445,289 <LONG-TERM> 74,750 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 137 <OTHER-SE> 184,771 <TOTAL-LIABILITIES-AND-EQUITY> 3,749,281 <INTEREST-LOAN> 57,441 <INTEREST-INVEST> 1,180 <INTEREST-OTHER> 42 <INTEREST-TOTAL> 58,663 <INTEREST-DEPOSIT> 28,396 <INTEREST-EXPENSE> 13,426 <INTEREST-INCOME-NET> 16,841 <LOAN-LOSSES> 972 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 20,385 <INCOME-PRETAX> 18,042 <INCOME-PRE-EXTRAORDINARY> 18,042 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 11,699 <EPS-BASIC> 0.86 <EPS-DILUTED> 0.83 <YIELD-ACTUAL> 7.34 <LOANS-NON> 37,641 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 21,500 <CHARGE-OFFS> 972 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 21,500 <ALLOWANCE-DOMESTIC> 21,500 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0