<ARTICLE> 9
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<PERIOD-TYPE>                   12-MOS                   12-MOS
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1998
<PERIOD-START>                             JAN-01-1999             JAN-01-1998
<PERIOD-END>                               DEC-31-1999             DEC-31-1998
<CASH>                                         125,886                 112,843
<INT-BEARING-DEPOSITS>                               0                       0
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<TRADING-ASSETS>                                     0                       0
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<INVESTMENTS-MARKET>                           136,481                 103,028
<LOANS>                                      2,129,489               1,483,087
<ALLOWANCE>                                   (44,147)                (29,831)
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<SHORT-TERM>                                    63,600                  19,395
<LIABILITIES-OTHER>                             51,863                  28,980
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<INTEREST-LOAN>                                169,286                 128,252
<INTEREST-INVEST>                               34,688                  28,588
<INTEREST-OTHER>                                13,625                  13,192
<INTEREST-TOTAL>                               217,599                 170,032
<INTEREST-DEPOSIT>                              74,227                  56,152
<INTEREST-EXPENSE>                              83,830                  65,581
<INTEREST-INCOME-NET>                          133,769                 104,451
<LOAN-LOSSES>                                   13,064                   7,459
<SECURITIES-GAINS>                                  33                     395
<EXPENSE-OTHER>                                102,915                  71,547
<INCOME-PRETAX>                                 55,766                  42,802
<INCOME-PRE-EXTRAORDINARY>                      55,766                  42,802
<EXTRAORDINARY>                                   (88)                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                    37,477                  27,715
<EPS-BASIC>                                       2.29                    1.75
<EPS-DILUTED>                                     2.17                    1.63
<YIELD-ACTUAL>                                    5.15                    5.35
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<LOANS-PAST>                                        51                       0
<LOANS-TROUBLED>                                   807                     796
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                29,831                  23,563
<CHARGE-OFFS>                                  (2,914)                 (1,936)
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<ALLOWANCE-DOMESTIC>                            44,147                  29,831
<ALLOWANCE-FOREIGN>                                  0                       0
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