<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JUL-01-1999 <PERIOD-END> SEP-30-1999 <CASH> 171,772 <INT-BEARING-DEPOSITS> 1,538 <FED-FUNDS-SOLD> 2,024 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 2,048,189 <INVESTMENTS-CARRYING> 48,986 <INVESTMENTS-MARKET> 49,784 <LOANS> 2,868,496 <ALLOWANCE> (42,598) <TOTAL-ASSETS> 5,467,226 <DEPOSITS> 4,022,231 <SHORT-TERM> 1,008,195 <LIABILITIES-OTHER> 60,489 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 276 <OTHER-SE> 376,035 <TOTAL-LIABILITIES-AND-EQUITY> 5,467,226 <INTEREST-LOAN> 59,158 <INTEREST-INVEST> 31,297 <INTEREST-OTHER> 1,340 <INTEREST-TOTAL> 91,795 <INTEREST-DEPOSIT> 32,273 <INTEREST-EXPENSE> 43,335 <INTEREST-INCOME-NET> 48,460 <LOAN-LOSSES> 1,784 <SECURITIES-GAINS> (371) <EXPENSE-OTHER> 37,209 <INCOME-PRETAX> 23,807 <INCOME-PRE-EXTRAORDINARY> 23,807 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 18,002 <EPS-BASIC> 0.65 <EPS-DILUTED> 0.64 <YIELD-ACTUAL> 4.21 <LOANS-NON> 20,905 <LOANS-PAST> 4,998 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 30,620 <ALLOWANCE-OPEN> 42,615 <CHARGE-OFFS> 2,467 <RECOVERIES> 666 <ALLOWANCE-CLOSE> 42,598 <ALLOWANCE-DOMESTIC> 8,382 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 34,216