<ARTICLE> 9
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<PERIOD-TYPE>                   3-MOS                  3-MOS
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1999
<PERIOD-START>                             OCT-01-1999             JUL-01-1999
<PERIOD-END>                               DEC-31-1999             SEP-30-1999
<CASH>                                         107,591                 121,742
<INT-BEARING-DEPOSITS>                               0                       0
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<TRADING-ASSETS>                                     0                       0
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<INVESTMENTS-CARRYING>                         167,278                 152,475
<INVESTMENTS-MARKET>                           161,545                 146,845
<LOANS>                                      1,883,143               1,712,676
<ALLOWANCE>                                    (35,649)                (33,026)
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<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                            115,509                  86,260
<LONG-TERM>                                     50,000                  50,000
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<COMMON>                                       100,689                  80,506
<OTHER-SE>                                      73,193                  65,328
<TOTAL-LIABILITIES-AND-EQUITY>               2,845,489               2,641,350
<INTEREST-LOAN>                                 43,138                  39,078
<INTEREST-INVEST>                                7,968                   7,246
<INTEREST-OTHER>                                 4,461                   3,101
<INTEREST-TOTAL>                                55,568                  49,425
<INTEREST-DEPOSIT>                              20,429                  17,963
<INTEREST-EXPENSE>                              21,154                  18,567
<INTEREST-INCOME-NET>                           33,054                  29,596
<LOAN-LOSSES>                                    6,232                   3,752
<SECURITIES-GAINS>                                 (23)                      4
<EXPENSE-OTHER>                                 27,224                  16,990
<INCOME-PRETAX>                                 17,912                  14,016
<INCOME-PRE-EXTRAORDINARY>                      17,912                  14,016
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                    10,304                   8,784
<EPS-BASIC>                                       0.76                    0.65
<EPS-DILUTED>                                     0.71                    0.46
<YIELD-ACTUAL>                                    4.94                    4.92
<LOANS-NON>                                      4,418                   6,028
<LOANS-PAST>                                        51                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                               (33,028)                (29,187)
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<ALLOWANCE-CLOSE>                              (40,421)                (33,028)
<ALLOWANCE-DOMESTIC>                           (40,421)                (33,028)
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0