[ARTICLE] 9

                             
[PERIOD-TYPE]                   3-MOS
[FISCAL-YEAR-END]                          DEC-31-2000
[PERIOD-END]                               MAR-31-2000
[CASH]                                          42,657
[INT-BEARING-DEPOSITS]                             230
[FED-FUNDS-SOLD]                                     0
[TRADING-ASSETS]                                     0
[INVESTMENTS-HELD-FOR-SALE]                  1,066,183
[INVESTMENTS-CARRYING]                               0
[INVESTMENTS-MARKET]                                 0
[LOANS]                                      1,099,710
[ALLOWANCE]                                     10,446
[TOTAL-ASSETS]                               2,337,462
[DEPOSITS]                                   1,237,238
[SHORT-TERM]                                   272,431
[LIABILITIES-OTHER]                            708,227
[LONG-TERM]                                      6,400
[PREFERRED-MANDATORY]                                0
[PREFERRED]                                          0
[COMMON]                                        43,549
[OTHER-SE]                                      69,617
[TOTAL-LIABILITIES-AND-EQUITY]               2,337,462
[INTEREST-LOAN]                                 22,333
[INTEREST-INVEST]                               19,106
[INTEREST-OTHER]                                    33
[INTEREST-TOTAL]                                41,472
[INTEREST-DEPOSIT]                              10,838
[INTEREST-EXPENSE]                              26,113
[INTEREST-INCOME-NET]                           15,359
[LOAN-LOSSES]                                      249
[SECURITIES-GAINS]                               (889)
[EXPENSE-OTHER]                                 16,997
[INCOME-PRETAX]                                  2,014
[INCOME-PRE-EXTRAORDINARY]                       2,014
[EXTRAORDINARY]                                      0
[CHANGES]                                            0
[NET-INCOME]                                     2,611
[EPS-BASIC]                                     0.20
[EPS-DILUTED]                                     0.20
[YIELD-ACTUAL]                                    7.30
[LOANS-NON]                                      6,114
[LOANS-PAST]                                        85
[LOANS-TROUBLED]                                     0
[LOANS-PROBLEM]                                      0
[ALLOWANCE-OPEN]                                10,350
[CHARGE-OFFS]                                      507
[RECOVERIES]                                       354
[ALLOWANCE-CLOSE]                               10,446
[ALLOWANCE-DOMESTIC]                            10,446
[ALLOWANCE-FOREIGN]                                  0
[ALLOWANCE-UNALLOCATED]                          3,897