<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                          55,693
<INT-BEARING-DEPOSITS>                           1,324
<FED-FUNDS-SOLD>                                37,125
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    422,476
<INVESTMENTS-CARRYING>                         108,720
<INVESTMENTS-MARKET>                           102,426
<LOANS>                                        766,667
<ALLOWANCE>                                     10,297
<TOTAL-ASSETS>                               1,392,258
<DEPOSITS>                                     883,419
<SHORT-TERM>                                   367,008
<LIABILITIES-OTHER>                             17,441
<LONG-TERM>                                     27,800
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        46,872
<OTHER-SE>                                      25,060
<TOTAL-LIABILITIES-AND-EQUITY>                  71,932
<INTEREST-LOAN>                                 46,667
<INTEREST-INVEST>                               23,614
<INTEREST-OTHER>                                 1,606
<INTEREST-TOTAL>                                71,887
<INTEREST-DEPOSIT>                              28,037
<INTEREST-EXPENSE>                              43,715
<INTEREST-INCOME-NET>                           28,172
<LOAN-LOSSES>                                    2,900
<SECURITIES-GAINS>                                   4
<EXPENSE-OTHER>                                 16,876
<INCOME-PRETAX>                                 10,887
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     7,717
<EPS-BASIC>                                       1.12
<EPS-DILUTED>                                     1.11
<YIELD-ACTUAL>                                    7.47
<LOANS-NON>                                      6,022
<LOANS-PAST>                                     1,347
<LOANS-TROUBLED>                                   751
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 8,965
<CHARGE-OFFS>                                    1,681
<RECOVERIES>                                       113
<ALLOWANCE-CLOSE>                               10,297
<ALLOWANCE-DOMESTIC>                            10,297
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0