<TABLE> <S> <C>


<ARTICLE>                                                  9
<MULTIPLIER>                                           1,000

<S>                                                    <C>
<PERIOD-TYPE>                                                   3-Mos
<FISCAL-YEAR-END>                                         Dec-31-2000
<PERIOD-END>                                              Sep-30-2000
<CASH>                                                         38,867
<INT-BEARING-DEPOSITS>                                          2,605
<FED-FUNDS-SOLD>                                                  300
<TRADING-ASSETS>                                                    0
<INVESTMENTS-HELD-FOR-SALE>                                   492,266
<INVESTMENTS-CARRYING>                                        547,283
<INVESTMENTS-MARKET>                                          534,174
<LOANS>                                                       792,592
<ALLOWANCE>                                                    (8,242)
<TOTAL-ASSETS>                                              1,421,844
<DEPOSITS>                                                  1,047,248
<SHORT-TERM>                                                   39,400
<LIABILITIES-OTHER>                                            10,095
<LONG-TERM>                                                   248,500
<PREFERRED-MANDATORY>                                               0
<PREFERRED>                                                         0
<COMMON>                                                          114
<OTHER-SE>                                                     76,487
<TOTAL-LIABILITIES-AND-EQUITY>                              1,421,844
<INTEREST-LOAN>                                                51,818
<INTEREST-INVEST>                                              28,264
<INTEREST-OTHER>                                                  502
<INTEREST-TOTAL>                                               80,584
<INTEREST-DEPOSIT>                                             34,362
<INTEREST-EXPENSE>                                             46,215
<INTEREST-INCOME-NET>                                          34,369
<LOAN-LOSSES>                                                   1,425
<SECURITIES-GAINS>                                                520
<EXPENSE-OTHER>                                                21,589
<INCOME-PRETAX>                                                16,755
<INCOME-PRE-EXTRAORDINARY>                                     16,755
<EXTRAORDINARY>                                                     0
<CHANGES>                                                           0
<NET-INCOME>                                                   10,886
<EPS-BASIC>                                                      1.01
<EPS-DILUTED>                                                    1.01
<YIELD-ACTUAL>                                                   3.70
<LOANS-NON>                                                     1,141
<LOANS-PAST>                                                    2,330
<LOANS-TROUBLED>                                                    0
<LOANS-PROBLEM>                                                     0
<ALLOWANCE-OPEN>                                                7,567
<CHARGE-OFFS>                                                     826
<RECOVERIES>                                                       76
<ALLOWANCE-CLOSE>                                               8,242
<ALLOWANCE-DOMESTIC>                                            8,242
<ALLOWANCE-FOREIGN>                                                 0
<ALLOWANCE-UNALLOCATED>                                             0



</TABLE>