<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> DEC-31-1999 <CASH> 148,669 <INT-BEARING-DEPOSITS> 314 <FED-FUNDS-SOLD> 1,432 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 649,471 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 2,895,730 <ALLOWANCE> 41,079 <TOTAL-ASSETS> 3,827,297 <DEPOSITS> 3,204,098 <SHORT-TERM> 197,072 <LIABILITIES-OTHER> 63,667 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 28,380 <OTHER-SE> 334,080 <TOTAL-LIABILITIES-AND-EQUITY> 3,827,297 <INTEREST-LOAN> 233,059 <INTEREST-INVEST> 55,157 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 288,216 <INTEREST-DEPOSIT> 106,364 <INTEREST-EXPENSE> 113,235 <INTEREST-INCOME-NET> 174,981 <LOAN-LOSSES> 8,700 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 203,929 <INCOME-PRETAX> 26,578 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (2,496) <EPS-BASIC> (0.09) <EPS-DILUTED> (0.09) <YIELD-ACTUAL> 4.59 <LOANS-NON> 9,172 <LOANS-PAST> 5,016 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 41,209 <CHARGE-OFFS> 13,416 <RECOVERIES> 4,586 <ALLOWANCE-CLOSE> 41,079 <ALLOWANCE-DOMESTIC> 41,079 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0