<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> MAR-31-2000 <CASH> 58,965 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 11,970 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 593,673 <INVESTMENTS-CARRYING> 593,673 <INVESTMENTS-MARKET> 593,673 <LOANS> 1,227,926 <ALLOWANCE> 18,684 <TOTAL-ASSETS> 1,953,705 <DEPOSITS> 1,247,619 <SHORT-TERM> 93,655 <LIABILITIES-OTHER> 18,633 <LONG-TERM> 423,449 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 903 <OTHER-SE> 169,446 <TOTAL-LIABILITIES-AND-EQUITY> 1,953,705 <INTEREST-LOAN> 25,256 <INTEREST-INVEST> 9,798 <INTEREST-OTHER> 97 <INTEREST-TOTAL> 35,151 <INTEREST-DEPOSIT> 11,565 <INTEREST-EXPENSE> 18,397 <INTEREST-INCOME-NET> 16,754 <LOAN-LOSSES> 860 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 10,826 <INCOME-PRETAX> 7,753 <INCOME-PRE-EXTRAORDINARY> 7,753 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,415 <EPS-BASIC> .80 <EPS-DILUTED> .80 <YIELD-ACTUAL> 3.99 <LOANS-NON> 2,570 <LOANS-PAST> 5,251 <LOANS-TROUBLED> 700 <LOANS-PROBLEM> 1588 <ALLOWANCE-OPEN> 17,949 <CHARGE-OFFS> 810 <RECOVERIES> 685 <ALLOWANCE-CLOSE> 18,684 <ALLOWANCE-DOMESTIC> 18,684 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0