<ARTICLE> 9
<LEGEND>
This schedule contains financial information extracted from the third quarter
10Q and is qualified in its entirety by reference to such financial statements.
</LEGEND>

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                          58,956
<INT-BEARING-DEPOSITS>                              74
<FED-FUNDS-SOLD>                                   848
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    278,711
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        662,045
<ALLOWANCE>                                      6,381
<TOTAL-ASSETS>                               1,009,531
<DEPOSITS>                                     794,009
<SHORT-TERM>                                   158,704
<LIABILITIES-OTHER>                              8,523
<LONG-TERM>                                     35,734
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         1,453
<OTHER-SE>                                      53,818
<TOTAL-LIABILITIES-AND-EQUITY>               1,009,531
<INTEREST-LOAN>                                 14,422
<INTEREST-INVEST>                                4,355
<INTEREST-OTHER>                                    58
<INTEREST-TOTAL>                                18,835
<INTEREST-DEPOSIT>                               7,439
<INTEREST-EXPENSE>                              10,396
<INTEREST-INCOME-NET>                            8,439
<LOAN-LOSSES>                                      215
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  7,621
<INCOME-PRETAX>                                  3,165
<INCOME-PRE-EXTRAORDINARY>                       2,202
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,202
<EPS-BASIC>                                        .38
<EPS-DILUTED>                                      .38
<YIELD-ACTUAL>                                    3.64
<LOANS-NON>                                        239
<LOANS-PAST>                                        86
<LOANS-TROUBLED>                                 1,152
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 6,522
<CHARGE-OFFS>                                      137
<RECOVERIES>                                        54
<ALLOWANCE-CLOSE>                                6,654
<ALLOWANCE-DOMESTIC>                             6,080
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            574