<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S BALANCE SHEET AS OF MARCH 31, 2000 AND STATEMENT OF EARNINGS FOR THE
QUARTER ENDED MARCH 31, 200 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                           5,594
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     96,230
<INVESTMENTS-CARRYING>                          96,230
<INVESTMENTS-MARKET>                            96,230
<LOANS>                                         30,121
<ALLOWANCE>                                        586
<TOTAL-ASSETS>                                 198,559
<DEPOSITS>                                           0
<SHORT-TERM>                                    81,761
<LIABILITIES-OTHER>                              6,730
<LONG-TERM>                                     57,988
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       166,981
<OTHER-SE>                                   (114,901)
<TOTAL-LIABILITIES-AND-EQUITY>                 198,559
<INTEREST-LOAN>                                  1,104
<INTEREST-INVEST>                                3,336
<INTEREST-OTHER>                                    80
<INTEREST-TOTAL>                                 4,520
<INTEREST-DEPOSIT>                                   0
<INTEREST-EXPENSE>                               2,296
<INTEREST-INCOME-NET>                            2,224
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                               3,326
<EXPENSE-OTHER>                                  2,126
<INCOME-PRETAX>                                  2,640
<INCOME-PRE-EXTRAORDINARY>                       2,640
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,540
<EPS-BASIC>                                       0.24
<EPS-DILUTED>                                     0.24
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0