<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 69,776
<INT-BEARING-DEPOSITS> 1,199,315
<FED-FUNDS-SOLD> 3,500
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 859,436
<INVESTMENTS-CARRYING> 859,436
<INVESTMENTS-MARKET> 859,436
<LOANS> 1,012,752
<ALLOWANCE> 10,293
<TOTAL-ASSETS> 2,056,159
<DEPOSITS> 1,450,231
<SHORT-TERM> 405,643
<LIABILITIES-OTHER> 9,826
<LONG-TERM> 24,031
57,327
0
<COMMON> 10,087
<OTHER-SE> 99,014
<TOTAL-LIABILITIES-AND-EQUITY> 2,056,159
<INTEREST-LOAN> 65,320
<INTEREST-INVEST> 46,399
<INTEREST-OTHER> 370
<INTEREST-TOTAL> 112,089
<INTEREST-DEPOSIT> 38,123
<INTEREST-EXPENSE> 65,682
<INTEREST-INCOME-NET> 46,407
<LOAN-LOSSES> 1,895
<SECURITIES-GAINS> (2)
<EXPENSE-OTHER> 41,909
<INCOME-PRETAX> 8,974
<INCOME-PRE-EXTRAORDINARY> 8,974
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 6,374
<EPS-BASIC> 0.66
<EPS-DILUTED> 0.65
<YIELD-ACTUAL> 3.35
<LOANS-NON> 3,426
<LOANS-PAST> 1,851
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 8,722
<CHARGE-OFFS> 345
<RECOVERIES> 21
<ALLOWANCE-CLOSE> 10,293
<ALLOWANCE-DOMESTIC> 10,293
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>