<ARTICLE> 9
<MULTIPLIER> 1000

                                     
<PERIOD-TYPE>                           3-MOS
<FISCAL-YEAR-END>                       DEC-31-1999
<PERIOD-START>                          JAN-01-1999
<PERIOD-END>                            SEP-30-1999
<CASH>                                      100448
<INT-BEARING-DEPOSITS>                           0
<FED-FUNDS-SOLD>                             27500
<TRADING-ASSETS>                                 0
<INVESTMENTS-HELD-FOR-SALE>                 565943
<INVESTMENTS-CARRYING>                       44941
<INVESTMENTS-MARKET>                         29035
<LOANS>                                    1798532
<ALLOWANCE>                                 (32401)
<TOTAL-ASSETS>                             2650844
<DEPOSITS>                                 2133513
<SHORT-TERM>                                254350
<LIABILITIES-OTHER>                          15533
<LONG-TERM>                                  50963
<PREFERRED-MANDATORY>                         4723
<PREFERRED>                                      0
<COMMON>                                      3282
<OTHER-SE>                                  188480
<TOTAL-LIABILITIES-AND-EQUITY>             2650844
<INTEREST-LOAN>                             102283
<INTEREST-INVEST>                            24461
<INTEREST-OTHER>                              2259
<INTEREST-TOTAL>                            129003
<INTEREST-DEPOSIT>                           43714
<INTEREST-EXPENSE>                           55506
<INTEREST-INCOME-NET>                        73497
<LOAN-LOSSES>                                    8
<SECURITIES-GAINS>                            4110
<EXPENSE-OTHER>                              65550
<INCOME-PRETAX>                              27794
<INCOME-PRE-EXTRAORDINARY>                   27794
<EXTRAORDINARY>                                  0
<CHANGES>                                        0
<NET-INCOME>                                 18151
<EPS-BASIC>                                19.59
<EPS-DILUTED>                                19.59
<YIELD-ACTUAL>                                7.39
<LOANS-NON>                                   2920
<LOANS-PAST>                                  1681
<LOANS-TROUBLED>                                 0
<LOANS-PROBLEM>                              23737
<ALLOWANCE-OPEN>                             28306
<CHARGE-OFFS>                                 2213
<RECOVERIES>                                  1085
<ALLOWANCE-CLOSE>                            32401
<ALLOWANCE-DOMESTIC>                         32401
<ALLOWANCE-FOREIGN>                              0
<ALLOWANCE-UNALLOCATED>                          0