<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                          78,590
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    378,330
<INVESTMENTS-CARRYING>                          27,856
<INVESTMENTS-MARKET>                            27,748
<LOANS>                                        884,621
<ALLOWANCE>                                     13,093
<TOTAL-ASSETS>                               1,416,619
<DEPOSITS>                                   1,223,450
<SHORT-TERM>                                     9,042
<LIABILITIES-OTHER>                             15,674
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        51,734
<OTHER-SE>                                     116,719
<TOTAL-LIABILITIES-AND-EQUITY>               1,416,619
<INTEREST-LOAN>                                 62,973
<INTEREST-INVEST>                               17,188
<INTEREST-OTHER>                                 1,139
<INTEREST-TOTAL>                                81,300
<INTEREST-DEPOSIT>                              19,846
<INTEREST-EXPENSE>                              20,218
<INTEREST-INCOME-NET>                           61,082
<LOAN-LOSSES>                                      400
<SECURITIES-GAINS>                                 (5)
<EXPENSE-OTHER>                                 43,070
<INCOME-PRETAX>                                 31,032
<INCOME-PRE-EXTRAORDINARY>                      31,032
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    20,201
<EPS-BASIC>                                       1.81
<EPS-DILUTED>                                     1.77
<YIELD-ACTUAL>                                    8.57
<LOANS-NON>                                      5,351
<LOANS-PAST>                                       416
<LOANS-TROUBLED>                                 3,139
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                13,105
<CHARGE-OFFS>                                      943
<RECOVERIES>                                       531
<ALLOWANCE-CLOSE>                               13,093
<ALLOWANCE-DOMESTIC>                            13,093
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0