<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM SEC FORM
10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               SEP-30-2000
<EXCHANGE-RATE>                                      1
<CASH>                                          83,235
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                    13
<TRADING-ASSETS>                                   474
<INVESTMENTS-HELD-FOR-SALE>                    287,677
<INVESTMENTS-CARRYING>                         203,286
<INVESTMENTS-MARKET>                           191,246
<LOANS>                                      1,170,873
<ALLOWANCE>                                   (15,436)
<TOTAL-ASSETS>                               1,870,713
<DEPOSITS>                                   1,485,352
<SHORT-TERM>                                    86,286
<LIABILITIES-OTHER>                             17,605
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                           51,283
<PREFERRED>                                          0
<COMMON>                                           149
<OTHER-SE>                                     107,078
<TOTAL-LIABILITIES-AND-EQUITY>               1,870,713
<INTEREST-LOAN>                                 66,820
<INTEREST-INVEST>                               24,966
<INTEREST-OTHER>                                   457
<INTEREST-TOTAL>                                82,243
<INTEREST-DEPOSIT>                              26,128
<INTEREST-EXPENSE>                              40,205
<INTEREST-INCOME-NET>                           52,038
<LOAN-LOSSES>                                    1,618
<SECURITIES-GAINS>                                 106
<EXPENSE-OTHER>                                 43,786
<INCOME-PRETAX>                                 14,769
<INCOME-PRE-EXTRAORDINARY>                      14,769
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    10,357
<EPS-BASIC>                                       0.73
<EPS-DILUTED>                                     0.72
<YIELD-ACTUAL>                                    8.02
<LOANS-NON>                                          4
<LOANS-PAST>                                       306
<LOANS-TROUBLED>                                   666
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                15,436
<CHARGE-OFFS>                                    1,783
<RECOVERIES>                                       643
<ALLOWANCE-CLOSE>                               19,481
<ALLOWANCE-DOMESTIC>                            19,481
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0