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<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-1-2000
<PERIOD-END> SEP-30-2000
<CASH> 52,610,836
<INT-BEARING-DEPOSITS> 2,443,944
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
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<INVESTMENTS-CARRYING> 309,237,224
<INVESTMENTS-MARKET> 297,015,447
<LOANS> 3,318,007,924
<ALLOWANCE> 76,445,352
<TOTAL-ASSETS> 5,648,673,891
<DEPOSITS> 3,222,448,179
<SHORT-TERM> 1,890,045,308
<LIABILITIES-OTHER> 67,481,683
<LONG-TERM> 148,024,328
0
90,000,000
<COMMON> 26,424,152
<OTHER-SE> 204,250,241
<TOTAL-LIABILITIES-AND-EQUITY> 5,648,673,891
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<INTEREST-INVEST> 97,034,570
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<INTEREST-DEPOSIT> 108,485,381
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<EXPENSE-OTHER> 84,755,379
<INCOME-PRETAX> 60,725,299
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<NET-INCOME> 49,527,651
<EPS-BASIC> 1.65
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<YIELD-ACTUAL> 4.06
<LOANS-NON> 67,236,000
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<ALLOWANCE-DOMESTIC> 76,445,352
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</TABLE>
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