<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> SEP-30-2000 <CASH> 121,168 <INT-BEARING-DEPOSITS> 3,476 <FED-FUNDS-SOLD> 25,674 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 412,283 <INVESTMENTS-CARRYING> 65,255 <INVESTMENTS-MARKET> 64,434 <LOANS> 2,961,729 <ALLOWANCE> 39,259 <TOTAL-ASSETS> 3,858,345 <DEPOSITS> 3,041,187 <SHORT-TERM> 307,653 <LIABILITIES-OTHER> 67,287 <LONG-TERM> 122,001 <PREFERRED-MANDATORY> 0 <PREFERRED> 1,728 <COMMON> 44,957 <OTHER-SE> 266,997 <TOTAL-LIABILITIES-AND-EQUITY> 3,858,345 <INTEREST-LOAN> 66,855 <INTEREST-INVEST> 7,403 <INTEREST-OTHER> 444 <INTEREST-TOTAL> 74,702 <INTEREST-DEPOSIT> 29,056 <INTEREST-EXPENSE> 35,922 <INTEREST-INCOME-NET> 38,780 <LOAN-LOSSES> 2,439 <SECURITIES-GAINS> 64 <EXPENSE-OTHER> 34,996 <INCOME-PRETAX> 16,001 <INCOME-PRE-EXTRAORDINARY> 10,934 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 10,934 <EPS-BASIC> .49 <EPS-DILUTED> .48 <YIELD-ACTUAL> 4.62 <LOANS-NON> 8,296 <LOANS-PAST> 5,617 <LOANS-TROUBLED> 2,805 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 38,618 <CHARGE-OFFS> 3,036 <RECOVERIES> 471 <ALLOWANCE-CLOSE> 39,259 <ALLOWANCE-DOMESTIC> 39,259 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0