<ARTICLE> 9

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               SEP-30-2000
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<TRADING-ASSETS>                                     0
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<INTEREST-DEPOSIT>                              80,132
<INTEREST-EXPENSE>                             123,309
<INTEREST-INCOME-NET>                          104,235
<LOAN-LOSSES>                                    6,960
<SECURITIES-GAINS>                            (13,068)
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<LOANS-TROUBLED>                                     0
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<CHARGE-OFFS>                                   20,982
<RECOVERIES>                                     4,663
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<ALLOWANCE-DOMESTIC>                           104,036
<ALLOWANCE-FOREIGN>                                  0
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