<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JUL-01-2000 <PERIOD-END> SEP-30-2000 <CASH> 50,521 <INT-BEARING-DEPOSITS> 183 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 367,142 <INVESTMENTS-CARRYING> 378,773 <INVESTMENTS-MARKET> 367,142 <LOANS> 1,049,873 <ALLOWANCE> 12,253 <TOTAL-ASSETS> 1,644,548 <DEPOSITS> 1,058,583 <SHORT-TERM> 162,500 <LIABILITIES-OTHER> 18,390 <LONG-TERM> 301,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 101 <OTHER-SE> 103,974 <TOTAL-LIABILITIES-AND-EQUITY> 1,644,548 <INTEREST-LOAN> 21,380 <INTEREST-INVEST> 6,189 <INTEREST-OTHER> 684 <INTEREST-TOTAL> 28,253 <INTEREST-DEPOSIT> 10,903 <INTEREST-EXPENSE> 18,231 <INTEREST-INCOME-NET> 10,022 <LOAN-LOSSES> 500 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 12,962 <INCOME-PRETAX> 4,521 <INCOME-PRE-EXTRAORDINARY> 4,521 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,056 <EPS-BASIC> 0.33 <EPS-DILUTED> 0.33 <YIELD-ACTUAL> 2.84 <LOANS-NON> 2,945 <LOANS-PAST> 20,236 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 11,346 <CHARGE-OFFS> 2,038 <RECOVERIES> 1,145 <ALLOWANCE-CLOSE> 12,253 <ALLOWANCE-DOMESTIC> 12,253 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0