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<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-END> SEP-30-1999
<CASH> 19,934
<INT-BEARING-DEPOSITS> 220,162
<FED-FUNDS-SOLD> 38,921
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 48,430
<INVESTMENTS-CARRYING> 47,945
<INVESTMENTS-MARKET> 0
<LOANS> 1,219,081
<ALLOWANCE> 25,137
<TOTAL-ASSETS> 1,662,160
<DEPOSITS> 1,484,270
<SHORT-TERM> 0
<LIABILITIES-OTHER> 43,418
<LONG-TERM> 12,650
0
0
<COMMON> 101
<OTHER-SE> 121,752
<TOTAL-LIABILITIES-AND-EQUITY> 1,676,494
<INTEREST-LOAN> 78,627
<INTEREST-INVEST> 6,469
<INTEREST-OTHER> 12,626
<INTEREST-TOTAL> 97,722
<INTEREST-DEPOSIT> 52,558
<INTEREST-EXPENSE> 53,659
<INTEREST-INCOME-NET> 44,063
<LOAN-LOSSES> 17,665
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 21,940
<INCOME-PRETAX> 18,669
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<EXTRAORDINARY> 0
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<NET-INCOME> 11,765
<EPS-BASIC> 1.17
<EPS-DILUTED> 1.14
<YIELD-ACTUAL> 3.21
<LOANS-NON> 13,102
<LOANS-PAST> 0
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<ALLOWANCE-OPEN> 12,794
<CHARGE-OFFS> 5,323
<RECOVERIES> 1
<ALLOWANCE-CLOSE> 25,137
<ALLOWANCE-DOMESTIC> 4,870
<ALLOWANCE-FOREIGN> 20,267
<ALLOWANCE-UNALLOCATED> 25,137
</TABLE>
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