<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> SEP-30-1999 <CASH> 108,562 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 1,358 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 792,813 <INVESTMENTS-CARRYING> 5,441 <INVESTMENTS-MARKET> 5,605 <LOANS> 2,073,136 <ALLOWANCE> 44,021 <TOTAL-ASSETS> 3,075,474 <DEPOSITS> 2,377,422 <SHORT-TERM> 361,338 <LIABILITIES-OTHER> 26,802 <LONG-TERM> 17,088 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 79,198 <OTHER-SE> 213,626 <TOTAL-LIABILITIES-AND-EQUITY> 3,075,474 <INTEREST-LOAN> 127,520 <INTEREST-INVEST> 37,826 <INTEREST-OTHER> 235 <INTEREST-TOTAL> 165,581 <INTEREST-DEPOSIT> 56,511 <INTEREST-EXPENSE> 67,295 <INTEREST-INCOME-NET> 98,286 <LOAN-LOSSES> 5,419 <SECURITIES-GAINS> (944) <EXPENSE-OTHER> 57,651 <INCOME-PRETAX> 55,016 <INCOME-PRE-EXTRAORDINARY> 39,218 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 39,218 <EPS-BASIC> 3.60 <EPS-DILUTED> 3.59 <YIELD-ACTUAL> 4.90 <LOANS-NON> 2,437 <LOANS-PAST> 3,264 <LOANS-TROUBLED> 719 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 41,215 <CHARGE-OFFS> 5,349 <RECOVERIES> 2,736 <ALLOWANCE-CLOSE> 44,021 <ALLOWANCE-DOMESTIC> 44,021 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0