<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                          43,473
<INT-BEARING-DEPOSITS>                          17,253
<FED-FUNDS-SOLD>                                77,004
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    223,620
<INVESTMENTS-CARRYING>                         173,314
<INVESTMENTS-MARKET>                           171,968
<LOANS>                                      3,701,970
<ALLOWANCE>                                     17,012
<TOTAL-ASSETS>                               4,426,664
<DEPOSITS>                                   2,693,588
<SHORT-TERM>                                   159,700
<LIABILITIES-OTHER>                          1,134,500
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           254
<OTHER-SE>                                     350,276
<TOTAL-LIABILITIES-AND-EQUITY>               4,426,664
<INTEREST-LOAN>                                185,550
<INTEREST-INVEST>                               19,073
<INTEREST-OTHER>                                 3,829
<INTEREST-TOTAL>                               208,452
<INTEREST-DEPOSIT>                              74,073
<INTEREST-EXPENSE>                              47,612
<INTEREST-INCOME-NET>                           86,767
<LOAN-LOSSES>                                      800
<SECURITIES-GAINS>                               1,032
<EXPENSE-OTHER>                                 50,115
<INCOME-PRETAX>                                 61,742
<INCOME-PRE-EXTRAORDINARY>                      37,794
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    37,794
<EPS-BASIC>                                      1.550
<EPS-DILUTED>                                    1.510
<YIELD-ACTUAL>                                    2.41
<LOANS-NON>                                     12,319
<LOANS-PAST>                                     1,341
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                16,770
<CHARGE-OFFS>                                      614
<RECOVERIES>                                        56
<ALLOWANCE-CLOSE>                               17,012
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         17,012