<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> SEP-30-2000 <CASH> 13,121 <INT-BEARING-DEPOSITS> 142,069 <FED-FUNDS-SOLD> 140,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 1,575,234 <ALLOWANCE> 28,613 <TOTAL-ASSETS> 1,749,204 <DEPOSITS> 1,234,165 <SHORT-TERM> 204,000 <LIABILITIES-OTHER> 13,801 <LONG-TERM> 195,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 55 <OTHER-SE> 102,238 <TOTAL-LIABILITIES-AND-EQUITY> 1,749,204 <INTEREST-LOAN> 104,310 <INTEREST-INVEST> 5,691 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 110,001 <INTEREST-DEPOSIT> 45,934 <INTEREST-EXPENSE> 64,371 <INTEREST-INCOME-NET> 45,630 <LOAN-LOSSES> 4,500 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 27,623 <INCOME-PRETAX> 19,680 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 11,260 <EPS-BASIC> 2.11 <EPS-DILUTED> 1.53 <YIELD-ACTUAL> 8.93 <LOANS-NON> 23,727 <LOANS-PAST> 0 <LOANS-TROUBLED> 19,092 <LOANS-PROBLEM> 40,624 <ALLOWANCE-OPEN> 24,285 <CHARGE-OFFS> 361 <RECOVERIES> 189 <ALLOWANCE-CLOSE> 28,613 <ALLOWANCE-DOMESTIC> 28,613 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,152