<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> SEP-30-2000 <CASH> 7,745 <INT-BEARING-DEPOSITS> 1,373,382 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 479,980 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 1,376,697 <ALLOWANCE> 13,645 <TOTAL-ASSETS> 2,040,956 <DEPOSITS> 1,427,304 <SHORT-TERM> 58,103 <LIABILITIES-OTHER> 45,702 <LONG-TERM> 273,826 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 298 <OTHER-SE> 235,723 <TOTAL-LIABILITIES-AND-EQUITY> 2,040,956 <INTEREST-LOAN> 68,214 <INTEREST-INVEST> 25,112 <INTEREST-OTHER> 1,879 <INTEREST-TOTAL> 95,205 <INTEREST-DEPOSIT> 38,034 <INTEREST-EXPENSE> 52,422 <INTEREST-INCOME-NET> 42,783 <LOAN-LOSSES> 1,515 <SECURITIES-GAINS> 19 <EXPENSE-OTHER> 43,181 <INCOME-PRETAX> 22,599 <INCOME-PRE-EXTRAORDINARY> 22,599 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 14,635 <EPS-BASIC> 0.59 <EPS-DILUTED> 0.59 <YIELD-ACTUAL> 7.36 <LOANS-NON> 3,564 <LOANS-PAST> 695 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 3,668 <ALLOWANCE-OPEN> 9,862 <CHARGE-OFFS> 658 <RECOVERIES> 230 <ALLOWANCE-CLOSE> 13,645 <ALLOWANCE-DOMESTIC> 11,438 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,206