<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Statement of Financial Condition at September 30, 2000 and
the Consolidated Statement of Operations for the nine months ended
September 30, 2000 and is qualified in its entirety by reference to such
financial statements.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                          52,308
<INT-BEARING-DEPOSITS>                       2,027,522
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    903,750
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      1,881,936
<ALLOWANCE>                                     17,586
<TOTAL-ASSETS>                               2,958,876
<DEPOSITS>                                   2,159,499
<SHORT-TERM>                                   201,514
<LIABILITIES-OTHER>                             23,561
<LONG-TERM>                                    450,714
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           100
<OTHER-SE>                                     123,488
<TOTAL-LIABILITIES-AND-EQUITY>               2,958,876
<INTEREST-LOAN>                                103,328
<INTEREST-INVEST>                               52,567
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                               155,895
<INTEREST-DEPOSIT>                              65,175
<INTEREST-EXPENSE>                              97,474
<INTEREST-INCOME-NET>                           58,421
<LOAN-LOSSES>                                    1,746
<SECURITIES-GAINS>                                 271
<EXPENSE-OTHER>                                 60,327
<INCOME-PRETAX>                                 22,652
<INCOME-PRE-EXTRAORDINARY>                      22,652
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    14,197
<EPS-BASIC>                                       1.58
<EPS-DILUTED>                                     1.51
<YIELD-ACTUAL>                                    7.31
<LOANS-NON>                                      6,268
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   569
<LOANS-PROBLEM>                                  2,872
<ALLOWANCE-OPEN>                                16,699
<CHARGE-OFFS>                                    1,268
<RECOVERIES>                                       409
<ALLOWANCE-CLOSE>                               17,586
<ALLOWANCE-DOMESTIC>                            17,586
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0