<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> MAR-31-2000 <CASH> 67,641 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 14,270 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 379,916 <INVESTMENTS-CARRYING> 29,646 <INVESTMENTS-MARKET> 29,263 <LOANS> 831,439 <ALLOWANCE> (12,931) <TOTAL-ASSETS> 1,370,141 <DEPOSITS> 1,190,092 <SHORT-TERM> 1,087 <LIABILITIES-OTHER> 14,578 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 59,902 <OTHER-SE> 104,482 <TOTAL-LIABILITIES-AND-EQUITY> 1,370,141 <INTEREST-LOAN> 19,925 <INTEREST-INVEST> 6,148 <INTEREST-OTHER> 212 <INTEREST-TOTAL> 26,285 <INTEREST-DEPOSIT> 6,310 <INTEREST-EXPENSE> 6,444 <INTEREST-INCOME-NET> 19,841 <LOAN-LOSSES> 0 <SECURITIES-GAINS> (4) <EXPENSE-OTHER> 14,233 <INCOME-PRETAX> 9,983 <INCOME-PRE-EXTRAORDINARY> 9,983 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6,427 <EPS-BASIC> .57 <EPS-DILUTED> .56 <YIELD-ACTUAL> 8.44 <LOANS-NON> 4,812 <LOANS-PAST> 2,180 <LOANS-TROUBLED> 648 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 13,103 <CHARGE-OFFS> 286 <RECOVERIES> 112 <ALLOWANCE-CLOSE> 12,931 <ALLOWANCE-DOMESTIC> 12,931 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0