<ARTICLE>       9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated  Balance  Sheet and the  Consolidated  Statement of Income filed as
part of the  quarterly  report on Form 10-Q and is  qualified in its entirety by
reference to such quarterly report on Form 10-Q.
</LEGEND>
<MULTIPLIER>    1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>               DEC-31-2000
<PERIOD-END>                    MAR-31-2000
<CASH>                               29,427
<INT-BEARING-DEPOSITS>                  525
<FED-FUNDS-SOLD>                          0
<TRADING-ASSETS>                          0
<INVESTMENTS-HELD-FOR-SALE>          80,100
<INVESTMENTS-CARRYING>               37,508
<INVESTMENTS-MARKET>                 37,148
<LOANS>                             783,635
<ALLOWANCE>                          17,374
<TOTAL-ASSETS>                      970,234
<DEPOSITS>                          657,687
<SHORT-TERM>                        114,187
<LIABILITIES-OTHER>                   9,811
<LONG-TERM>                         121,602
<PREFERRED-MANDATORY>                     0
<PREFERRED>                               0
<COMMON>                                123
<OTHER-SE>                           66,824
<TOTAL-LIABILITIES-AND-EQUITY>      970,234
<INTEREST-LOAN>                      17,377
<INTEREST-INVEST>                     1,764
<INTEREST-OTHER>                          2
<INTEREST-TOTAL>                     19,143
<INTEREST-DEPOSIT>                    7,011
<INTEREST-EXPENSE>                   10,608
<INTEREST-INCOME-NET>                 8,535
<LOAN-LOSSES>                           476
<SECURITIES-GAINS>                        0
<EXPENSE-OTHER>                       6,097
<INCOME-PRETAX>                       5,567
<INCOME-PRE-EXTRAORDINARY>            3,659
<EXTRAORDINARY>                           0
<CHANGES>                                 0
<NET-INCOME>                          3,659
<EPS-BASIC>                           .50
<EPS-DILUTED>                           .48
<YIELD-ACTUAL>                         3.71
<LOANS-NON>                          10,007
<LOANS-PAST>                              0
<LOANS-TROUBLED>                          0
<LOANS-PROBLEM>                      10,327
<ALLOWANCE-OPEN>                     17,293
<CHARGE-OFFS>                           719
<RECOVERIES>                            324
<ALLOWANCE-CLOSE>                    17,374
<ALLOWANCE-DOMESTIC>                 17,374
<ALLOWANCE-FOREIGN>                       0
<ALLOWANCE-UNALLOCATED>               2,409