<ARTICLE> 9

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                          19,217
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                   227
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    258,495
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        391,211
<ALLOWANCE>                                    (3,767)
<TOTAL-ASSETS>                                 703,050
<DEPOSITS>                                     411,290
<SHORT-TERM>                                   131,503
<LIABILITIES-OTHER>                              6,067
<LONG-TERM>                                    110,917
<PREFERRED-MANDATORY>                           12,027
<PREFERRED>                                          0
<COMMON>                                           483
<OTHER-SE>                                      27,916
<TOTAL-LIABILITIES-AND-EQUITY>                 703,050
<INTEREST-LOAN>                                  7,295
<INTEREST-INVEST>                                4,255
<INTEREST-OTHER>                                    15
<INTEREST-TOTAL>                                11,565
<INTEREST-DEPOSIT>                               3,002
<INTEREST-EXPENSE>                               6,629
<INTEREST-INCOME-NET>                            4,936
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                                 245
<EXPENSE-OTHER>                                  4,983
<INCOME-PRETAX>                                  1,750
<INCOME-PRE-EXTRAORDINARY>                       1,750
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,133
<EPS-BASIC>                                        .36
<EPS-DILUTED>                                      .35
<YIELD-ACTUAL>                                    7.11
<LOANS-NON>                                        585
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,701
<CHARGE-OFFS>                                       70
<RECOVERIES>                                       136
<ALLOWANCE-CLOSE>                                3,767
<ALLOWANCE-DOMESTIC>                             2,163
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,604