<ARTICLE> 9
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<EXCHANGE-RATE>                                      1
<CASH>                                          30,386
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                   197
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    372,278
<INVESTMENTS-CARRYING>                          16,341
<INVESTMENTS-MARKET>                            16,190
<LOANS>                                      1,067,971
<ALLOWANCE>                                   (10,197)
<TOTAL-ASSETS>                               1,567,710
<DEPOSITS>                                   1,098,741
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             12,976
<LONG-TERM>                                    356,760
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        80,713
<OTHER-SE>                                      18,520
<TOTAL-LIABILITIES-AND-EQUITY>               1,567,710
<INTEREST-LOAN>                                 61,436
<INTEREST-INVEST>                               19,333
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                80,768
<INTEREST-DEPOSIT>                              31,040
<INTEREST-EXPENSE>                              50,740
<INTEREST-INCOME-NET>                           30,028
<LOAN-LOSSES>                                    1,350
<SECURITIES-GAINS>                                 256
<EXPENSE-OTHER>                                 23,552
<INCOME-PRETAX>                                 14,756
<INCOME-PRE-EXTRAORDINARY>                      10,063
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    10,063
<EPS-BASIC>                                          0
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    8.29
<LOANS-NON>                                      4,107
<LOANS-PAST>                                     3,931
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 7,431
<CHARGE-OFFS>                                    (736)
<RECOVERIES>                                       379
<ALLOWANCE-CLOSE>                               10,197
<ALLOWANCE-DOMESTIC>                            10,197
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0