<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> 33,452 <INT-BEARING-DEPOSITS> 1,085 <FED-FUNDS-SOLD> 42,327 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 495,129 <INVESTMENTS-CARRYING> 134,881 <INVESTMENTS-MARKET> 132,097 <LOANS> 900,511 <ALLOWANCE> 9,697 <TOTAL-ASSETS> 1,710,425 <DEPOSITS> 1,211,370 <SHORT-TERM> 312,578 <LIABILITIES-OTHER> 7,064 <LONG-TERM> 63,982 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 9,537 <OTHER-SE> 105,894 <TOTAL-LIABILITIES-AND-EQUITY> 1,710,425 <INTEREST-LOAN> 55,601 <INTEREST-INVEST> 30,435 <INTEREST-OTHER> 1,237 <INTEREST-TOTAL> 87,273 <INTEREST-DEPOSIT> 29,073 <INTEREST-EXPENSE> 44,431 <INTEREST-INCOME-NET> 42,842 <LOAN-LOSSES> 2,090 <SECURITIES-GAINS> 265 <EXPENSE-OTHER> 35,851 <INCOME-PRETAX> 17,813 <INCOME-PRE-EXTRAORDINARY> 17,813 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 13,346 <EPS-BASIC> 1.39 <EPS-DILUTED> 1.39 <YIELD-ACTUAL> 4.06 <LOANS-NON> 540 <LOANS-PAST> 1,823 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 5,118 <ALLOWANCE-OPEN> 8,231 <CHARGE-OFFS> 693 <RECOVERIES> 69 <ALLOWANCE-CLOSE> 9,697 <ALLOWANCE-DOMESTIC> 1,902 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 7,795