<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from SEC Form
10-Q and is qualified in its entirety by reference to such financial statements.
</LEGEND>

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                           36748
<INT-BEARING-DEPOSITS>                              55
<FED-FUNDS-SOLD>                                 48310
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     551245
<INVESTMENTS-CARRYING>                           16807
<INVESTMENTS-MARKET>                             17031
<LOANS>                                        1479687
<ALLOWANCE>                                      29410
<TOTAL-ASSETS>                                 2233108
<DEPOSITS>                                     1471893
<SHORT-TERM>                                     87895
<LIABILITIES-OTHER>                              42282
<LONG-TERM>                                     389109
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         74285
<OTHER-SE>                                      167644
<TOTAL-LIABILITIES-AND-EQUITY>                 2233108
<INTEREST-LOAN>                                  32510
<INTEREST-INVEST>                                 9158
<INTEREST-OTHER>                                   231
<INTEREST-TOTAL>                                 41899
<INTEREST-DEPOSIT>                               12976
<INTEREST-EXPENSE>                               19866
<INTEREST-INCOME-NET>                            22033
<LOAN-LOSSES>                                     1000
<SECURITIES-GAINS>                                 895
<EXPENSE-OTHER>                                   4361
<INCOME-PRETAX>                                  14977
<INCOME-PRE-EXTRAORDINARY>                       14977
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     10787
<EPS-BASIC>                                      .40
<EPS-DILUTED>                                      .40
<YIELD-ACTUAL>                                    4.43
<LOANS-NON>                                       8283
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 27134
<CHARGE-OFFS>                                      619
<RECOVERIES>                                      1895
<ALLOWANCE-CLOSE>                                29410
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0