<ARTICLE>                                     9

                                           
<PERIOD-TYPE>                                 6-mos
<FISCAL-YEAR-END>                             Dec-31-1999
<PERIOD-END>                                  Jun-30-1999
<CASH>                                        116,956,000
<INT-BEARING-DEPOSITS>                        5,391,000
<FED-FUNDS-SOLD>                              0
<TRADING-ASSETS>                              0
<INVESTMENTS-HELD-FOR-SALE>                   1,398,339,000
<INVESTMENTS-CARRYING>                        290,372,000
<INVESTMENTS-MARKET>                          286,835,000
<LOANS>                                       3,034,474,000
<ALLOWANCE>                                   40,471,000
<TOTAL-ASSETS>                                5,005,240,000
<DEPOSITS>                                    3,391,484,000
<SHORT-TERM>                                  846,654,000
<LIABILITIES-OTHER>                           61,374,000
<LONG-TERM>                                   308,132,000
<PREFERRED-MANDATORY>                         0
<PREFERRED>                                   0
<COMMON>                                      108,452,000
<OTHER-SE>                                    289,144,000
<TOTAL-LIABILITIES-AND-EQUITY>                5,005,240,000
<INTEREST-LOAN>                               127,430,000
<INTEREST-INVEST>                             44,887,000
<INTEREST-OTHER>                              209,000
<INTEREST-TOTAL>                              172,526,000
<INTEREST-DEPOSIT>                            62,677,000
<INTEREST-EXPENSE>                            81,948,000
<INTEREST-INCOME-NET>                         90,578,000
<LOAN-LOSSES>                                 2,525,000
<SECURITIES-GAINS>                            71,000
<EXPENSE-OTHER>                               57,891,000
<INCOME-PRETAX>                               53,254,000
<INCOME-PRE-EXTRAORDINARY>                    53,254,000
<EXTRAORDINARY>                               0
<CHANGES>                                     0
<NET-INCOME>                                  34,957,000
<EPS-BASIC>                                 0.81
<EPS-DILUTED>                                 0.79
<YIELD-ACTUAL>                                4.20
<LOANS-NON>                                   16,599,000
<LOANS-PAST>                                  7,433,000
<LOANS-TROUBLED>                              0
<LOANS-PROBLEM>                               0
<ALLOWANCE-OPEN>                              39,189,000
<CHARGE-OFFS>                                 1,911,000
<RECOVERIES>                                  668,000
<ALLOWANCE-CLOSE>                             40,471,000
<ALLOWANCE-DOMESTIC>                          26,712,000
<ALLOWANCE-FOREIGN>                           0
<ALLOWANCE-UNALLOCATED>                       13,759,000