<ARTICLE> 9
<MULTIPLIER> 1000
<PERIOD-TYPE>                           3-MOS
<FISCAL-YEAR-END>                       DEC-31-2000
<PERIOD-START>                          JAN-01-2000
<PERIOD-END>                            MAR-01-2000
<CASH>                                      118473
<INT-BEARING-DEPOSITS>                           0
<FED-FUNDS-SOLD>                             36500
<TRADING-ASSETS>                                 0
<INVESTMENTS-HELD-FOR-SALE>                 674491
<INVESTMENTS-CARRYING>                       33752
<INVESTMENTS-MARKET>                         21436
<LOANS>                                    1925368
<ALLOWANCE>                                 (34265)
<TOTAL-ASSETS>                             2918082
<DEPOSITS>                                 2314593
<SHORT-TERM>                                324969
<LIABILITIES-OTHER>                          25649
<LONG-TERM>                                  50963
<PREFERRED-MANDATORY>                         4686
<PREFERRED>                                      0
<COMMON>                                      3248
<OTHER-SE>                                  193974
<TOTAL-LIABILITIES-AND-EQUITY>             2918082
<INTEREST-LOAN>                              38881
<INTEREST-INVEST>                             8574
<INTEREST-OTHER>                               910
<INTEREST-TOTAL>                             48365
<INTEREST-DEPOSIT>                           17014
<INTEREST-EXPENSE>                           22191
<INTEREST-INCOME-NET>                        26174
<LOAN-LOSSES>                                    8
<SECURITIES-GAINS>                            1559
<EXPENSE-OTHER>                              23331
<INCOME-PRETAX>                               9710
<INCOME-PRE-EXTRAORDINARY>                    9710
<EXTRAORDINARY>                                  0
<CHANGES>                                        0
<NET-INCOME>                                  6360
<EPS-BASIC>                                 6.73
<EPS-DILUTED>                                 6.73
<YIELD-ACTUAL>                                7.61
<LOANS-NON>                                   2953
<LOANS-PAST>                                  2937
<LOANS-TROUBLED>                                 0
<LOANS-PROBLEM>                              23568
<ALLOWANCE-OPEN>                             32972
<CHARGE-OFFS>                                  700
<RECOVERIES>                                   434
<ALLOWANCE-CLOSE>                            34265
<ALLOWANCE-DOMESTIC>                         34265
<ALLOWANCE-FOREIGN>                              0
<ALLOWANCE-UNALLOCATED>                       1726