<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                     104,197,000
<INT-BEARING-DEPOSITS>                       2,690,000
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
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<ALLOWANCE>                                 39,432,000
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<DEPOSITS>                               3,313,137,000
<SHORT-TERM>                               574,361,000
<LIABILITIES-OTHER>                         45,058,000
<LONG-TERM>                                596,264,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                   108,454,000
<OTHER-SE>                                 313,168,000
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<INTEREST-INVEST>                           67,738,000
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<INTEREST-DEPOSIT>                          91,541,000
<INTEREST-EXPENSE>                         146,339,000
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<EXPENSE-OTHER>                             32,344,000
<INCOME-PRETAX>                             81,330,000
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<EXTRAORDINARY>                                      0
<CHANGES>                                            0
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<EPS-BASIC>                                       1.30
<EPS-DILUTED>                                     1.29
<YIELD-ACTUAL>                                    4.13
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<LOANS-TROUBLED>                                     0
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<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                      8,529,000