<ARTICLE>                                            9


                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-END>                                   MAR-31-2000
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<INTEREST-INCOME-NET>                          8,038
<LOAN-LOSSES>                                  315
<SECURITIES-GAINS>                             (9)
<EXPENSE-OTHER>                                6,550
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<ALLOWANCE-OPEN>                               8,868
<CHARGE-OFFS>                                  343
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<ALLOWANCE-DOMESTIC>                           8,948
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