<ARTICLE> 9
<MULTIPLIER> 1,000

                                                  
<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000             DEC-31-1999
<PERIOD-START>                             JAN-01-2000             JAN-01-1999
<PERIOD-END>                               MAR-31-2000             MAR-31-1999
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<ALLOWANCE>                                     12,248                  15,766
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<INTEREST-TOTAL>                                23,606                  16,830
<INTEREST-DEPOSIT>                               8,464                   6,304
<INTEREST-EXPENSE>                              12,725                   8,881
<INTEREST-INCOME-NET>                           10,881                   7,949
<LOAN-LOSSES>                                      750                     246
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  8,961                   7,063
<INCOME-PRETAX>                                  3,942                   2,203
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<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     2,687                   1,444
<EPS-BASIC>                                        .38                     .28
<EPS-DILUTED>                                      .38                     .28
<YIELD-ACTUAL>                                    8.05                    7.26
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<LOANS-PAST>                                       214                       0
<LOANS-TROUBLED>                                     0                       0
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<CHARGE-OFFS>                                      760                     410
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<ALLOWANCE-FOREIGN>                                  0                       0
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