<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S CONSOLIDATED BALANCE SHEETS AND CONSOLIDATED STATEMENTS OF OPERATION
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 47,744
<INT-BEARING-DEPOSITS> 6,721
<FED-FUNDS-SOLD> 95,645
<TRADING-ASSETS> 37,082
<INVESTMENTS-HELD-FOR-SALE> 366,193
<INVESTMENTS-CARRYING> 37,037
<INVESTMENTS-MARKET> 37,081
<LOANS> 1,790,143
<ALLOWANCE> 30,441
<TOTAL-ASSETS> 2,490,181
<DEPOSITS> 2,180,721
<SHORT-TERM> 59,098
<LIABILITIES-OTHER> 26,060
<LONG-TERM> 17,443
28,750
1,500
<COMMON> 21,112
<OTHER-SE> 155,497
<TOTAL-LIABILITIES-AND-EQUITY> 178,109
<INTEREST-LOAN> 124,207
<INTEREST-INVEST> 25,389
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 149,596
<INTEREST-DEPOSIT> 76,581
<INTEREST-EXPENSE> 79,968
<INTEREST-INCOME-NET> 69,628
<LOAN-LOSSES> 14,400
<SECURITIES-GAINS> (1,000)
<EXPENSE-OTHER> 59,231
<INCOME-PRETAX> 10,396
<INCOME-PRE-EXTRAORDINARY> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 4,852
<EPS-BASIC> .44
<EPS-DILUTED> .43
<YIELD-ACTUAL> 8.27
<LOANS-NON> 54,071
<LOANS-PAST> 3
<LOANS-TROUBLED> 1,879
<LOANS-PROBLEM> 37,120
<ALLOWANCE-OPEN> 28,177
<CHARGE-OFFS> (13,246)
<RECOVERIES> 1,115
<ALLOWANCE-CLOSE> 30,441
<ALLOWANCE-DOMESTIC> 30,441
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>