<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JUL-01-1999 <PERIOD-END> SEP-30-1999 <CASH> 98,863 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 183,800 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 277,187 <INVESTMENTS-CARRYING> 120,377 <INVESTMENTS-MARKET> 118,367 <LOANS> 1,454,339 <ALLOWANCE> (29,680) <TOTAL-ASSETS> 2,283,887 <DEPOSITS> 2,032,737 <SHORT-TERM> 0 <LIABILITIES-OTHER> 81,112 <LONG-TERM> 50,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 67,085 <OTHER-SE> 52,953 <TOTAL-LIABILITIES-AND-EQUITY> 2,283,887 <INTEREST-LOAN> 33,234 <INTEREST-INVEST> 6,653 <INTEREST-OTHER> 2,821 <INTEREST-TOTAL> 42,708 <INTEREST-DEPOSIT> 15,749 <INTEREST-EXPENSE> 17,612 <INTEREST-INCOME-NET> 25,096 <LOAN-LOSSES> 3,518 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 13,989 <INCOME-PRETAX> 11,662 <INCOME-PRE-EXTRAORDINARY> 11,662 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 7,367 <EPS-BASIC> 0.65 <EPS-DILUTED> 0.62 <YIELD-ACTUAL> 4.90 <LOANS-NON> 5,884 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 26,086 <CHARGE-OFFS> (667) <RECOVERIES> 743 <ALLOWANCE-CLOSE> 29,680 <ALLOWANCE-DOMESTIC> 29,680 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0