<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> SEP-30-1999 <CASH> 122,532,000 <INT-BEARING-DEPOSITS> 13,105,000 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 1,445,351,000 <INVESTMENTS-CARRYING> 273,675,000 <INVESTMENTS-MARKET> 269,318,000 <LOANS> 3,080,939,000 <ALLOWANCE> 39,704,000 <TOTAL-ASSETS> 5,081,915,000 <DEPOSITS> 3,376,927,000 <SHORT-TERM> 889,879,000 <LIABILITIES-OTHER> 57,552,000 <LONG-TERM> 353,601,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 108,454,000 <OTHER-SE> 295,502,000 <TOTAL-LIABILITIES-AND-EQUITY> 5,081,915,000 <INTEREST-LOAN> 189,506,000 <INTEREST-INVEST> 73,472,000 <INTEREST-OTHER> 359,000 <INTEREST-TOTAL> 263,337,000 <INTEREST-DEPOSIT> 92,958,000 <INTEREST-EXPENSE> 127,770,000 <INTEREST-INCOME-NET> 135,567,000 <LOAN-LOSSES> 4,780,000 <SECURITIES-GAINS> 1,000 <EXPENSE-OTHER> 87,268,000 <INCOME-PRETAX> 79,454,000 <INCOME-PRE-EXTRAORDINARY> 79,454,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 52,657,000 <EPS-BASIC> 1.22 <EPS-DILUTED> 1.20 <YIELD-ACTUAL> 4.16 <LOANS-NON> 11,059,000 <LOANS-PAST> 9,872,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 39,189,000 <CHARGE-OFFS> 4,943,000 <RECOVERIES> 678,000 <ALLOWANCE-CLOSE> 39,704,000 <ALLOWANCE-DOMESTIC> 26,622,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 13,082,000