<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> Dec-31-2000 <PERIOD-START> Jan-01-2000 <PERIOD-END> Mar-31-2000 <CASH> 40,381 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 20,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 192,501 <INVESTMENTS-CARRYING> 20,597 <INVESTMENTS-MARKET> 21,311 <LOANS> 809,105 <ALLOWANCE> 7,004 <TOTAL-ASSETS> 1,109,998 <DEPOSITS> 949,382 <SHORT-TERM> 27,414 <LIABILITIES-OTHER> 4,810 <LONG-TERM> 49,970 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 518 <OTHER-SE> 77,904 <TOTAL-LIABILITIES-AND-EQUITY> 1,109,998 <INTEREST-LOAN> 15,498 <INTEREST-INVEST> 3,396 <INTEREST-OTHER> 159 <INTEREST-TOTAL> 19,053 <INTEREST-DEPOSIT> 7,370 <INTEREST-EXPENSE> 8,324 <INTEREST-INCOME-NET> 10,729 <LOAN-LOSSES> 150 <SECURITIES-GAINS> 1 <EXPENSE-OTHER> 9,006 <INCOME-PRETAX> 5,017 <INCOME-PRE-EXTRAORDINARY> 3,107 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,107 <EPS-BASIC> 0.64 <EPS-DILUTED> 0.64 <YIELD-ACTUAL> 4.24 <LOANS-NON> 3,659 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,870 <CHARGE-OFFS> 146 <RECOVERIES> 130 <ALLOWANCE-CLOSE> 7,004 <ALLOWANCE-DOMESTIC> 7,004 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0