<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM CONSOLIDATED
STATEMENTS OF OPERATIONS 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>                                          55,953
<INT-BEARING-DEPOSITS>                           5,077
<FED-FUNDS-SOLD>                                54,973
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     96,281
<INVESTMENTS-CARRYING>                          68,294
<INVESTMENTS-MARKET>                            66,656
<LOANS>                                        719,857
<ALLOWANCE>                                      9,461
<TOTAL-ASSETS>                               1,129,509
<DEPOSITS>                                     964,954
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             13,986
<LONG-TERM>                                     18,500
<PREFERRED-MANDATORY>                            3,500
<PREFERRED>                                          0
<COMMON>                                       132,850
<OTHER-SE>                                     (4,281)
<TOTAL-LIABILITIES-AND-EQUITY>               1,129,509
<INTEREST-LOAN>                                 13,628
<INTEREST-INVEST>                                2,245
<INTEREST-OTHER>                                   563
<INTEREST-TOTAL>                                16,436
<INTEREST-DEPOSIT>                               5,997
<INTEREST-EXPENSE>                               6,487
<INTEREST-INCOME-NET>                            9,949
<LOAN-LOSSES>                                      160
<SECURITIES-GAINS>                                 (7)
<EXPENSE-OTHER>                                 11,357
<INCOME-PRETAX>                                  (231)
<INCOME-PRE-EXTRAORDINARY>                       (231)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     (558)<F1>
<EPS-BASIC>                                     (0.02)
<EPS-DILUTED>                                   (0.02)
<YIELD-ACTUAL>                                    8.24
<LOANS-NON>                                      3,465
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 6,750
<CHARGE-OFFS>                                       41
<RECOVERIES>                                        45
<ALLOWANCE-CLOSE>                                9,461
<ALLOWANCE-DOMESTIC>                             9,461
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          4,706
<FN>
<F1>Includes cost of preferred stock of $93 thousand.
</FN>