<ARTICLE>                                            9
<LEGEND>
     *LEGEND: This schedule contains summary information extracted
      from the Form 10-Q filed as of March 31, 2000.
</LEGEND>
<MULTIPLIER>                                     1,000

                                        
<PERIOD-TYPE>                                    3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                          32,365
<INT-BEARING-DEPOSITS>                             618
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    324,268
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        672,736
<ALLOWANCE>                                     10,628
<TOTAL-ASSETS>                               1,074,287
<DEPOSITS>                                     741,398
<SHORT-TERM>                                    57,168
<LIABILITIES-OTHER>                              7,988
<LONG-TERM>                                    150,181
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        66,447
<OTHER-SE>                                       5,911
<TOTAL-LIABILITIES-AND-EQUITY>               1,047,287
<INTEREST-LOAN>                                 14,720
<INTEREST-INVEST>                                4,526
<INTEREST-OTHER>                                   866
<INTEREST-TOTAL>                                20,112
<INTEREST-DEPOSIT>                               7,075
<INTEREST-EXPENSE>                              10,008
<INTEREST-INCOME-NET>                           10,104
<LOAN-LOSSES>                                      522
<SECURITIES-GAINS>                                 (11)
<EXPENSE-OTHER>                                  7,559
<INCOME-PRETAX>                                  4,141
<INCOME-PRE-EXTRAORDINARY>                       4,141
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,862
<EPS-BASIC>                                     0.43
<EPS-DILUTED>                                     0.43
<YIELD-ACTUAL>                                    4.54
<LOANS-NON>                                        872
<LOANS-PAST>                                       505
<LOANS-TROUBLED>                                   684
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                10,264
<CHARGE-OFFS>                                      266
<RECOVERIES>                                       108
<ALLOWANCE-CLOSE>                               10,628
<ALLOWANCE-DOMESTIC>                             9,635
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            993