<ARTICLE>                                          9

                                                
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<FISCAL-YEAR-END>                                            DEC-31-2000
<PERIOD-END>                                                 MAR-31-2000
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<SECURITIES-GAINS>                                                   105
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<EPS-BASIC>                                                         0.38
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<CHARGE-OFFS>                                                         12
<RECOVERIES>                                                           0
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<ALLOWANCE-FOREIGN>                                                    0
<ALLOWANCE-UNALLOCATED>                                                0