<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Statement of Financial Condition at September 30, 2000 and
the Consolidated Statement of Operations for the nine months ended
September 30, 2000 and is qualified in its entirety by reference to such
financial statements.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 52,308
<INT-BEARING-DEPOSITS> 2,027,522
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 903,750
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 1,881,936
<ALLOWANCE> 17,586
<TOTAL-ASSETS> 2,958,876
<DEPOSITS> 2,159,499
<SHORT-TERM> 201,514
<LIABILITIES-OTHER> 23,561
<LONG-TERM> 450,714
0
0
<COMMON> 100
<OTHER-SE> 123,488
<TOTAL-LIABILITIES-AND-EQUITY> 2,958,876
<INTEREST-LOAN> 103,328
<INTEREST-INVEST> 52,567
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 155,895
<INTEREST-DEPOSIT> 65,175
<INTEREST-EXPENSE> 97,474
<INTEREST-INCOME-NET> 58,421
<LOAN-LOSSES> 1,746
<SECURITIES-GAINS> 271
<EXPENSE-OTHER> 60,327
<INCOME-PRETAX> 22,652
<INCOME-PRE-EXTRAORDINARY> 22,652
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 14,197
<EPS-BASIC> 1.58
<EPS-DILUTED> 1.51
<YIELD-ACTUAL> 7.31
<LOANS-NON> 6,268
<LOANS-PAST> 0
<LOANS-TROUBLED> 569
<LOANS-PROBLEM> 2,872
<ALLOWANCE-OPEN> 16,699
<CHARGE-OFFS> 1,268
<RECOVERIES> 409
<ALLOWANCE-CLOSE> 17,586
<ALLOWANCE-DOMESTIC> 17,586
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>