<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> OCT-01-1999 <PERIOD-END> DEC-31-1999 <CASH> 171,183 <INT-BEARING-DEPOSITS> 3,478 <FED-FUNDS-SOLD> 7,467 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 408,731 <INVESTMENTS-CARRYING> 77,359 <INVESTMENTS-MARKET> 75,905 <LOANS> 2,803,774 <ALLOWANCE> 36,311 <TOTAL-ASSETS> 3,706,184 <DEPOSITS> 2,909,434 <SHORT-TERM> 332,197 <LIABILITIES-OTHER> 56,604 <LONG-TERM> 117,634 <PREFERRED-MANDATORY> 0 <PREFERRED> 2,075 <COMMON> 42,011 <OTHER-SE> 246,229 <TOTAL-LIABILITIES-AND-EQUITY> 3,706,184 <INTEREST-LOAN> 59,307 <INTEREST-INVEST> 7,471 <INTEREST-OTHER> 269 <INTEREST-TOTAL> 67,047 <INTEREST-DEPOSIT> 23,170 <INTEREST-EXPENSE> 28,640 <INTEREST-INCOME-NET> 38,407 <LOAN-LOSSES> 2,544 <SECURITIES-GAINS> 388 <EXPENSE-OTHER> 32,913 <INCOME-PRETAX> 14,898 <INCOME-PRE-EXTRAORDINARY> 10,313 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 10,343 <EPS-BASIC> 0.49 <EPS-DILUTED> 0.47 <YIELD-ACTUAL> 4.76 <LOANS-NON> 9,321 <LOANS-PAST> 4,863 <LOANS-TROUBLED> 3,560 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 33,991 <CHARGE-OFFS> 3,489 <RECOVERIES> 452 <ALLOWANCE-CLOSE> 36,311 <ALLOWANCE-DOMESTIC> 36,311 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0