<ARTICLE> 9
<MULTIPLIER> 1,000
<CURRENCY> US DOLLARS

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<EXCHANGE-RATE>                                   1.00
<CASH>                                          88,693
<INT-BEARING-DEPOSITS>                          15,535
<FED-FUNDS-SOLD>                                13,205
<TRADING-ASSETS>                                 4,026
<INVESTMENTS-HELD-FOR-SALE>                    434,327
<INVESTMENTS-CARRYING>                          52,586
<INVESTMENTS-MARKET>                            52,421
<LOANS>                                      2,280,081
<ALLOWANCE>                                     22,180
<TOTAL-ASSETS>                               3,169,055
<DEPOSITS>                                   2,398,091
<SHORT-TERM>                                   229,924
<LIABILITIES-OTHER>                             60,030
<LONG-TERM>                                     69,270
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        25,695
<OTHER-SE>                                     386,095
<TOTAL-LIABILITIES-AND-EQUITY>               3,169,055
<INTEREST-LOAN>                                146,657
<INTEREST-INVEST>                               18,164
<INTEREST-OTHER>                                 3,065
<INTEREST-TOTAL>                               167,886
<INTEREST-DEPOSIT>                              68,426
<INTEREST-EXPENSE>                              77,354
<INTEREST-INCOME-NET>                           90,532
<LOAN-LOSSES>                                   11,752
<SECURITIES-GAINS>                                 321
<EXPENSE-OTHER>                                 39,684
<INCOME-PRETAX>                                 29,862
<INCOME-PRE-EXTRAORDINARY>                      29,862
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    20,005
<EPS-BASIC>                                       0.80
<EPS-DILUTED>                                     0.78
<YIELD-ACTUAL>                                    8.57
<LOANS-NON>                                      6,818
<LOANS-PAST>                                     5,458
<LOANS-TROUBLED>                                 1,283
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                20,266
<CHARGE-OFFS>                                    8,121
<RECOVERIES>                                       850
<ALLOWANCE-CLOSE>                               22,180
<ALLOWANCE-DOMESTIC>                            22,180
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0