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<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 13,121
<INT-BEARING-DEPOSITS> 142,069
<FED-FUNDS-SOLD> 140,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 0
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 1,575,234
<ALLOWANCE> 28,613
<TOTAL-ASSETS> 1,749,204
<DEPOSITS> 1,234,165
<SHORT-TERM> 204,000
<LIABILITIES-OTHER> 13,801
<LONG-TERM> 195,000
0
0
<COMMON> 55
<OTHER-SE> 102,238
<TOTAL-LIABILITIES-AND-EQUITY> 1,749,204
<INTEREST-LOAN> 104,310
<INTEREST-INVEST> 5,691
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 110,001
<INTEREST-DEPOSIT> 45,934
<INTEREST-EXPENSE> 64,371
<INTEREST-INCOME-NET> 45,630
<LOAN-LOSSES> 4,500
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 27,623
<INCOME-PRETAX> 19,680
<INCOME-PRE-EXTRAORDINARY> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 11,260
<EPS-BASIC> 2.11
<EPS-DILUTED> 1.53
<YIELD-ACTUAL> 8.93
<LOANS-NON> 23,727
<LOANS-PAST> 0
<LOANS-TROUBLED> 19,092
<LOANS-PROBLEM> 40,624
<ALLOWANCE-OPEN> 24,285
<CHARGE-OFFS> 361
<RECOVERIES> 189
<ALLOWANCE-CLOSE> 28,613
<ALLOWANCE-DOMESTIC> 28,613
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 1,152
</TABLE>
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