<ARTICLE> 9
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               MAR-31-1999
<CASH>                                         138,577
<INT-BEARING-DEPOSITS>                           9,518
<FED-FUNDS-SOLD>                               107,500
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    594,239
<INVESTMENTS-CARRYING>                         232,301
<INVESTMENTS-MARKET>                           235,101
<LOANS>                                      4,638,553
<ALLOWANCE>                                     40,303
<TOTAL-ASSETS>                               5,980,486
<DEPOSITS>                                   3,805,457
<SHORT-TERM>                                   319,705
<LIABILITIES-OTHER>                            103,370
<LONG-TERM>                                  1,255,414
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           416
<OTHER-SE>                                     496,124
<TOTAL-LIABILITIES-AND-EQUITY>               5,980,486
<INTEREST-LOAN>                                 79,915
<INTEREST-INVEST>                               14,266
<INTEREST-OTHER>                                 2,046
<INTEREST-TOTAL>                                96,227
<INTEREST-DEPOSIT>                              34,947
<INTEREST-EXPENSE>                              54,627
<INTEREST-INCOME-NET>                           41,600
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 32,607
<INCOME-PRETAX>                                 21,689
<INCOME-PRE-EXTRAORDINARY>                      14,811
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    14,811
<EPS-PRIMARY>                                     0.37
<EPS-DILUTED>                                     0.36
<YIELD-ACTUAL>                                    2.94
<LOANS-NON>                                     15,249
<LOANS-PAST>                                     6,725
<LOANS-TROUBLED>                                   257
<LOANS-PROBLEM>                                  3,858
<ALLOWANCE-OPEN>                                40,423
<CHARGE-OFFS>                                      273
<RECOVERIES>                                       153
<ALLOWANCE-CLOSE>                               40,303
<ALLOWANCE-DOMESTIC>                            40,303
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0