<TABLE> <S> <C>

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<S>                             <C>
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<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
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                                0
                                          0
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<LOAN-LOSSES>                                    3,500
<SECURITIES-GAINS>                               (683)
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<INCOME-PRETAX>                                 22,146
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<NET-INCOME>                                    14,319
<EPS-BASIC>                                       1.59
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<YIELD-ACTUAL>                                    4.63
<LOANS-NON>                                      9,648
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<RECOVERIES>                                       837
<ALLOWANCE-CLOSE>                               22,657
<ALLOWANCE-DOMESTIC>                            15,155
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          7,502


</TABLE>



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