<ARTICLE>                                            9

<MULTIPLIER>                                   1,000


                             
<PERIOD-TYPE>                   9-Mos
<FISCAL-YEAR-END>                              Dec-31-2000
<PERIOD-END>                                   Sep-30-2000
<CASH>                                              67,121
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                        714,369
<INVESTMENTS-CARRYING>                               5,082
<INVESTMENTS-MARKET>                                 5,148
<LOANS>                                          1,081,531
<ALLOWANCE>                                         14,614
<TOTAL-ASSETS>                                   1,973,581
<DEPOSITS>                                       1,455,391
<SHORT-TERM>                                        17,000
<LIABILITIES-OTHER>                                 23,292
<LONG-TERM>                                        145,000
<PREFERRED-MANDATORY>                               29,822
<PREFERRED>                                              0
<COMMON>                                             7,641
<OTHER-SE>                                         114,335
<TOTAL-LIABILITIES-AND-EQUITY>                   1,973,581
<INTEREST-LOAN>                                     71,068
<INTEREST-INVEST>                                   35,354
<INTEREST-OTHER>                                       596
<INTEREST-TOTAL>                                   107,018
<INTEREST-DEPOSIT>                                  36,342
<INTEREST-EXPENSE>                                  53,695
<INTEREST-INCOME-NET>                               53,322
<LOAN-LOSSES>                                        5,044
<SECURITIES-GAINS>                                   (212)
<EXPENSE-OTHER>                                     41,759
<INCOME-PRETAX>                                     21,905
<INCOME-PRE-EXTRAORDINARY>                          21,905
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                        15,333
<EPS-BASIC>                                           2.17
<EPS-DILUTED>                                         2.14
<YIELD-ACTUAL>                                           0
<LOANS-NON>                                              0
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                         0
<CHARGE-OFFS>                                            0
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                        0
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0