<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> MAR-31-2000 <CASH> 19,299 <INT-BEARING-DEPOSITS> 2,444 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 188,817 <INVESTMENTS-CARRYING> 29,379 <INVESTMENTS-MARKET> 29,066 <LOANS> 702,817 <ALLOWANCE> 8,948 <TOTAL-ASSETS> 993,253 <DEPOSITS> 699,615 <SHORT-TERM> 49,349 <LIABILITIES-OTHER> 10,634 <LONG-TERM> 145,661 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 9,029 <OTHER-SE> 78,965 <TOTAL-LIABILITIES-AND-EQUITY> 993,253 <INTEREST-LOAN> 14,514 <INTEREST-INVEST> 3,719 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 18,233 <INTEREST-DEPOSIT> 7,332 <INTEREST-EXPENSE> 10,195 <INTEREST-INCOME-NET> 8,038 <LOAN-LOSSES> 315 <SECURITIES-GAINS> (9) <EXPENSE-OTHER> 6,550 <INCOME-PRETAX> 2,725 <INCOME-PRE-EXTRAORDINARY> 2,725 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,037 <EPS-BASIC> 0.23 <EPS-DILUTED> 0.23 <YIELD-ACTUAL> 3.46 <LOANS-NON> 6,051 <LOANS-PAST> 2,759 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 5,709 <ALLOWANCE-OPEN> 8,868 <CHARGE-OFFS> 343 <RECOVERIES> 108 <ALLOWANCE-CLOSE> 8,948 <ALLOWANCE-DOMESTIC> 8,948 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,638