<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 27,410,145
<INT-BEARING-DEPOSITS> 12,921,175
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 11,901,000
<INVESTMENTS-HELD-FOR-SALE> 1,316,734,188
<INVESTMENTS-CARRYING> 25,933,003
<INVESTMENTS-MARKET> 25,742,485
<LOANS> 1,713,641,021
<ALLOWANCE> 11,057,049
<TOTAL-ASSETS> 3,409,021,926
<DEPOSITS> 1,582,358,244
<SHORT-TERM> 1,473,118,468
<LIABILITIES-OTHER> 59,777,599
<LONG-TERM> 0
0
75,000,000
<COMMON> 41,080,633
<OTHER-SE> 252,686,982
<TOTAL-LIABILITIES-AND-EQUITY> 3,409,021,926
<INTEREST-LOAN> 119,114,800
<INTEREST-INVEST> 34,834,529
<INTEREST-OTHER> 17,945,925
<INTEREST-TOTAL> 171,895,254
<INTEREST-DEPOSIT> 57,496,210
<INTEREST-EXPENSE> 122,524,291
<INTEREST-INCOME-NET> 49,370,963
<LOAN-LOSSES> 4,350,000
<SECURITIES-GAINS> 6,395
<EXPENSE-OTHER> 60,284,858
<INCOME-PRETAX> 40,885,235
<INCOME-PRE-EXTRAORDINARY> 40,885,235
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 31,557,091
<EPS-BASIC> 0.95
<EPS-DILUTED> 0.93
<YIELD-ACTUAL> 7.79
<LOANS-NON> 82,972,435
<LOANS-PAST> 549,891
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 86,296,898
<ALLOWANCE-OPEN> 8,970,605
<CHARGE-OFFS> 2,924,010
<RECOVERIES> 660,454
<ALLOWANCE-CLOSE> 11,057,049
<ALLOWANCE-DOMESTIC> 11,057,049
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
