<TABLE> <S> <C>

<ARTICLE>                                            9
<MULTIPLIER>                                         1,000

<S>                             <C>
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-START>                                 JAN-01-2000
<PERIOD-END>                                   SEP-30-2000
<CASH>                                              14,319
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                        710,020
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                          1,174,828
<ALLOWANCE>                                         12,081
<TOTAL-ASSETS>                                   1,955,749
<DEPOSITS>                                       1,214,078
<SHORT-TERM>                                       278,050
<LIABILITIES-OTHER>                                 18,082
<LONG-TERM>                                        225,989
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                               431
<OTHER-SE>                                         219,119
<TOTAL-LIABILITIES-AND-EQUITY>                   1,955,749
<INTEREST-LOAN>                                     61,709
<INTEREST-INVEST>                                   40,456
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                   102,165
<INTEREST-DEPOSIT>                                  35,510
<INTEREST-EXPENSE>                                  58,420
<INTEREST-INCOME-NET>                               43,745
<LOAN-LOSSES>                                        1,179
<SECURITIES-GAINS>                                    (766)
<EXPENSE-OTHER>                                     18,379
<INCOME-PRETAX>                                     25,696
<INCOME-PRE-EXTRAORDINARY>                          25,696
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                        17,173
<EPS-BASIC>                                           0.50
<EPS-DILUTED>                                         0.50
<YIELD-ACTUAL>                                        3.00
<LOANS-NON>                                          2,620
<LOANS-PAST>                                           166
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                    11,004
<CHARGE-OFFS>                                          102
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                   12,081
<ALLOWANCE-DOMESTIC>                                12,081
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0



</TABLE>