<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> SEP-30-2000 <CASH> 43,473 <INT-BEARING-DEPOSITS> 1,251 <FED-FUNDS-SOLD> 750 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 305,394 <INVESTMENTS-CARRYING> 13,094 <INVESTMENTS-MARKET> 13,144 <LOANS> 1,165,430 <ALLOWANCE> 12,232 <TOTAL-ASSETS> 1,600,938 <DEPOSITS> 1,241,121 <SHORT-TERM> 0 <LIABILITIES-OTHER> 206,947 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,461 <OTHER-SE> 151,409 <TOTAL-LIABILITIES-AND-EQUITY> 1,600,938 <INTEREST-LOAN> 70,094 <INTEREST-INVEST> 14,445 <INTEREST-OTHER> 748 <INTEREST-TOTAL> 85,287 <INTEREST-DEPOSIT> 35,713 <INTEREST-EXPENSE> 43,810 <INTEREST-INCOME-NET> 41,477 <LOAN-LOSSES> 1,747 <SECURITIES-GAINS> (180) <EXPENSE-OTHER> 29,481 <INCOME-PRETAX> 22,432 <INCOME-PRE-EXTRAORDINARY> 15,098 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 15,098 <EPS-BASIC> 1.34 <EPS-DILUTED> 1.34 <YIELD-ACTUAL> 4.03 <LOANS-NON> 2,297 <LOANS-PAST> 3,356 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 10,128 <CHARGE-OFFS> 1,517 <RECOVERIES> 461 <ALLOWANCE-CLOSE> 12,232 <ALLOWANCE-DOMESTIC> 12,232 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0