<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> SEP-30-2000 <CASH> 78,489 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 2,638 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 232,999 <INVESTMENTS-CARRYING> 12,398 <INVESTMENTS-MARKET> 12,357 <LOANS> 2,028,615 <ALLOWANCE> 19,366 <TOTAL-ASSETS> 2,430,524 <DEPOSITS> 1,746,962 <SHORT-TERM> 33,781 <LIABILITIES-OTHER> 19,551 <LONG-TERM> 346,878 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 268 <OTHER-SE> 283,074 <TOTAL-LIABILITIES-AND-EQUITY> 2,430,524 <INTEREST-LOAN> 107,893 <INTEREST-INVEST> 12,704 <INTEREST-OTHER> 300 <INTEREST-TOTAL> 120,897 <INTEREST-DEPOSIT> 45,667 <INTEREST-EXPENSE> 61,749 <INTEREST-INCOME-NET> 59,148 <LOAN-LOSSES> 3,500 <SECURITIES-GAINS> 4 <EXPENSE-OTHER> 36,048 <INCOME-PRETAX> 27,008 <INCOME-PRE-EXTRAORDINARY> 27,008 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 17,522 <EPS-BASIC> 0.74 <EPS-DILUTED> 0.74 <YIELD-ACTUAL> 3.66 <LOANS-NON> 5,172 <LOANS-PAST> 668 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 16,828 <CHARGE-OFFS> 1,259 <RECOVERIES> 297 <ALLOWANCE-CLOSE> 19,366 <ALLOWANCE-DOMESTIC> 19,366 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 181