<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-1999 <PERIOD-END> MAR-31-1999 <CASH> 12,451 <INT-BEARING-DEPOSITS> 23,708 <FED-FUNDS-SOLD> 900 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 591,888 <INVESTMENTS-CARRYING> 60,228 <INVESTMENTS-MARKET> 60,737 <LOANS> 1,329,159 <ALLOWANCE> 11,044 <TOTAL-ASSETS> 2,054,967 <DEPOSITS> 1,272,387 <SHORT-TERM> 78,049 <LIABILITIES-OTHER> 24,319 <LONG-TERM> 533,325 <PREFERRED-MANDATORY> 0 <PREFERRED> 28,719 <COMMON> 79,417 <OTHER-SE> 38,751 <TOTAL-LIABILITIES-AND-EQUITY> 2,054,967 <INTEREST-LOAN> 25,870 <INTEREST-INVEST> 9,629 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 35,499 <INTEREST-DEPOSIT> 13,367 <INTEREST-EXPENSE> 21,890 <INTEREST-INCOME-NET> 13,609 <LOAN-LOSSES> 675 <SECURITIES-GAINS> 737 <EXPENSE-OTHER> 9,896 <INCOME-PRETAX> 6,170 <INCOME-PRE-EXTRAORDINARY> 4,019 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,019 <EPS-PRIMARY> 0.43 <EPS-DILUTED> 0.42 <YIELD-ACTUAL> 2.76 <LOANS-NON> 7,198 <LOANS-PAST> 130 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 8,010 <ALLOWANCE-OPEN> 10,995 <CHARGE-OFFS> 729 <RECOVERIES> 103 <ALLOWANCE-CLOSE> 11,044 <ALLOWANCE-DOMESTIC> 11,044 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0