<ARTICLE> 9 <MULTIPLIER> 1,000 <CURRENCY> U.S. DOLLARS <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> SEP-30-2000 <EXCHANGE-RATE> 1 <CASH> 30,386 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 197 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 372,278 <INVESTMENTS-CARRYING> 16,341 <INVESTMENTS-MARKET> 16,190 <LOANS> 1,067,971 <ALLOWANCE> (10,197) <TOTAL-ASSETS> 1,567,710 <DEPOSITS> 1,098,741 <SHORT-TERM> 0 <LIABILITIES-OTHER> 12,976 <LONG-TERM> 356,760 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 80,713 <OTHER-SE> 18,520 <TOTAL-LIABILITIES-AND-EQUITY> 1,567,710 <INTEREST-LOAN> 61,436 <INTEREST-INVEST> 19,333 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 80,768 <INTEREST-DEPOSIT> 31,040 <INTEREST-EXPENSE> 50,740 <INTEREST-INCOME-NET> 30,028 <LOAN-LOSSES> 1,350 <SECURITIES-GAINS> 256 <EXPENSE-OTHER> 23,552 <INCOME-PRETAX> 14,756 <INCOME-PRE-EXTRAORDINARY> 10,063 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 10,063 <EPS-BASIC> 0 <EPS-DILUTED> 0 <YIELD-ACTUAL> 8.29 <LOANS-NON> 4,107 <LOANS-PAST> 3,931 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 7,431 <CHARGE-OFFS> (736) <RECOVERIES> 379 <ALLOWANCE-CLOSE> 10,197 <ALLOWANCE-DOMESTIC> 10,197 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0