<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> MAR-31-2000 <CASH> 104,881,000 <INT-BEARING-DEPOSITS> 3,275,000 <FED-FUNDS-SOLD> 2,000,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 999,456,000 <INVESTMENTS-CARRYING> 397,493,000 <INVESTMENTS-MARKET> 391,628,000 <LOANS> 3,332,354,000 <ALLOWANCE> 39,490,000 <TOTAL-ASSETS> 4,980,745,000 <DEPOSITS> 3,274,505,000 <SHORT-TERM> 1,077,358,000 <LIABILITIES-OTHER> 48,482,000 <LONG-TERM> 186,578,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 108,454,000 <OTHER-SE> 285,368,000 <TOTAL-LIABILITIES-AND-EQUITY> 4,980,745,000 <INTEREST-LOAN> 69,843,000 <INTEREST-INVEST> 23,313,000 <INTEREST-OTHER> 112,000 <INTEREST-TOTAL> 93,268,000 <INTEREST-DEPOSIT> 29,046,000 <INTEREST-EXPENSE> 46,542,000 <INTEREST-INCOME-NET> 46,726,000 <LOAN-LOSSES> 2,547,000 <SECURITIES-GAINS> 318,000 <EXPENSE-OTHER> 28,143,000 <INCOME-PRETAX> 26,837,000 <INCOME-PRE-EXTRAORDINARY> 26,837,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 17,988,000 <EPS-BASIC> 0.43 <EPS-DILUTED> 0.42 <YIELD-ACTUAL> 4.23 <LOANS-NON> 13,110,000 <LOANS-PAST> 7,951,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 39,599,000 <CHARGE-OFFS> 2,859,000 <RECOVERIES> 203,000 <ALLOWANCE-CLOSE> 39,490,000 <ALLOWANCE-DOMESTIC> 30,489,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 9,001,000