<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AS OF MARCH 31, 2000, CONSOLIDATED STATEMENT OF
INCOME FOR THE THREE MONTHS ENDED MARCH 31, 2000, SCHEDULES AND OTHER REQUIRED
DISCLOSURES AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                          69,716
<INT-BEARING-DEPOSITS>                           1,971
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    205,491
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      3,535,549
<ALLOWANCE>                                     27,951
<TOTAL-ASSETS>                               4,407,911
<DEPOSITS>                                   2,583,387
<SHORT-TERM>                                    64,103
<LIABILITIES-OTHER>                          1,411,169
<LONG-TERM>                                     47,500
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       225,675
<OTHER-SE>                                     (2,721)
<TOTAL-LIABILITIES-AND-EQUITY>               4,407,911
<INTEREST-LOAN>                                 76,480
<INTEREST-INVEST>                                3,758
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                80,238
<INTEREST-DEPOSIT>                              27,819
<INTEREST-EXPENSE>                              47,527
<INTEREST-INCOME-NET>                           32,711
<LOAN-LOSSES>                                    1,600
<SECURITIES-GAINS>                                 107
<EXPENSE-OTHER>                                 34,793
<INCOME-PRETAX>                                 17,816
<INCOME-PRE-EXTRAORDINARY>                      17,816
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    11,292
<EPS-BASIC>                                        .25
<EPS-DILUTED>                                      .25
<YIELD-ACTUAL>                                    3.21
<LOANS-NON>                                     17,457
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,486
<ALLOWANCE-OPEN>                                27,128
<CHARGE-OFFS>                                    1,101
<RECOVERIES>                                       324
<ALLOWANCE-CLOSE>                               27,951
<ALLOWANCE-DOMESTIC>                            27,951
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          9,478