<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