<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                          82,836
<INT-BEARING-DEPOSITS>                          18,713
<FED-FUNDS-SOLD>                                89,772
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    197,875
<INVESTMENTS-CARRYING>                         178,575
<INVESTMENTS-MARKET>                           176,653
<LOANS>                                      4,307,019
<ALLOWANCE>                                     18,167
<TOTAL-ASSETS>                               5,073,768
<DEPOSITS>                                   2,906,240
<SHORT-TERM>                                   411,675
<LIABILITIES-OTHER>                          1,275,400
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           254
<OTHER-SE>                                     373,649
<TOTAL-LIABILITIES-AND-EQUITY>               5,073,768
<INTEREST-LOAN>                                224,131
<INTEREST-INVEST>                               20,850
<INTEREST-OTHER>                                 8,051
<INTEREST-TOTAL>                               253,032
<INTEREST-DEPOSIT>                              84,050
<INTEREST-EXPENSE>                              74,543
<INTEREST-INCOME-NET>                           94,439
<LOAN-LOSSES>                                    1,100
<SECURITIES-GAINS>                               (563)
<EXPENSE-OTHER>                                 54,166
<INCOME-PRETAX>                                 67,981
<INCOME-PRE-EXTRAORDINARY>                      67,981
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    43,293
<EPS-BASIC>                                      1.850
<EPS-DILUTED>                                    1.830
<YIELD-ACTUAL>                                    2.23
<LOANS-NON>                                     14,411
<LOANS-PAST>                                     1,563
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                17,276
<CHARGE-OFFS>                                      219
<RECOVERIES>                                        10
<ALLOWANCE-CLOSE>                               18,167
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         18,167