<ARTICLE> 9

                                                  
<PERIOD-TYPE>                   3-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000             DEC-31-1999
<PERIOD-END>                               MAR-31-2000             MAR-31-1999
<CASH>                                          32,569                  24,230
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                     0                     415
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                    169,605                 163,997
<INVESTMENTS-CARRYING>                          65,835                  68,193
<INVESTMENTS-MARKET>                            65,471                  68,049
<LOANS>                                        659,037                 635,434
<ALLOWANCE>                                     10,059                   9,390
<TOTAL-ASSETS>                                 973,038                 928,350
<DEPOSITS>                                     667,914                 667,720
<SHORT-TERM>                                   215,331                 173,924
<LIABILITIES-OTHER>                             10,251                   9,083
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         2,450                   2,450
<OTHER-SE>                                      77,092                  75,173
<TOTAL-LIABILITIES-AND-EQUITY>                 973,038                 928,350
<INTEREST-LOAN>                                 14,381                  54,838
<INTEREST-INVEST>                                4,137                  15,553
<INTEREST-OTHER>                                   176                     172
<INTEREST-TOTAL>                                18,694                  70,563
<INTEREST-DEPOSIT>                               5,949                  23,187
<INTEREST-EXPENSE>                               8,795                  30,504
<INTEREST-INCOME-NET>                            9,899                  40,059
<LOAN-LOSSES>                                      644                   3,670
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  6,574                  27,604
<INCOME-PRETAX>                                  4,632                  15,412
<INCOME-PRE-EXTRAORDINARY>                       4,632                  15,412
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     3,194                  10,229
<EPS-BASIC>                                       0.39                    1.27
<EPS-DILUTED>                                     0.39                    1.27
<YIELD-ACTUAL>                                    8.51                    8.53
<LOANS-NON>                                      5,016                   6,136
<LOANS-PAST>                                       797                     195
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                  5,813                   6,331
<ALLOWANCE-OPEN>                                 9,390                   8,092
<CHARGE-OFFS>                                      237                   2,660
<RECOVERIES>                                       262                     288
<ALLOWANCE-CLOSE>                               10,059                   9,390
<ALLOWANCE-DOMESTIC>                             9,345                   8,862
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                            714                     528