<ARTICLE> 9

                             
<PERIOD-TYPE>                                9-MOS
<FISCAL-YEAR-END>                      DEC-31-2000
<PERIOD-START>                         JAN-01-2000
<PERIOD-END>                           SEP-30-2000
<CASH>                                  27,410,145
<INT-BEARING-DEPOSITS>                  12,921,175
<FED-FUNDS-SOLD>                                 0
<TRADING-ASSETS>                        11,901,000
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<INVESTMENTS-MARKET>                    25,742,485
<LOANS>                              1,713,641,021
<ALLOWANCE>                             11,057,049
<TOTAL-ASSETS>                       3,409,021,926
<DEPOSITS>                           1,582,358,244
<SHORT-TERM>                         1,473,118,468
<LIABILITIES-OTHER>                     59,777,599
<LONG-TERM>                                      0
<PREFERRED-MANDATORY>                            0
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<COMMON>                                41,080,633
<OTHER-SE>                             252,686,982
<TOTAL-LIABILITIES-AND-EQUITY>       3,409,021,926
<INTEREST-LOAN>                        119,114,800
<INTEREST-INVEST>                       34,834,529
<INTEREST-OTHER>                        17,945,925
<INTEREST-TOTAL>                       171,895,254
<INTEREST-DEPOSIT>                      57,496,210
<INTEREST-EXPENSE>                     122,524,291
<INTEREST-INCOME-NET>                   49,370,963
<LOAN-LOSSES>                            4,350,000
<SECURITIES-GAINS>                           6,395
<EXPENSE-OTHER>                         60,284,858
<INCOME-PRETAX>                         40,885,235
<INCOME-PRE-EXTRAORDINARY>              40,885,235
<EXTRAORDINARY>                                  0
<CHANGES>                                        0
<NET-INCOME>                            31,557,091
<EPS-BASIC>                                   0.95
<EPS-DILUTED>                                 0.93
<YIELD-ACTUAL>                                7.79
<LOANS-NON>                             82,972,435
<LOANS-PAST>                               549,891
<LOANS-TROUBLED>                                 0
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<ALLOWANCE-OPEN>                         8,970,605
<CHARGE-OFFS>                            2,924,010
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<ALLOWANCE-CLOSE>                       11,057,049
<ALLOWANCE-DOMESTIC>                    11,057,049
<ALLOWANCE-FOREIGN>                              0
<ALLOWANCE-UNALLOCATED>                          0