<ARTICLE> 9
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                          25,275
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 2,570
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    294,597
<INVESTMENTS-CARRYING>                          47,821
<INVESTMENTS-MARKET>                            47,795
<LOANS>                                        423,743
<ALLOWANCE>                                     10,265
<TOTAL-ASSETS>                                 809,602
<DEPOSITS>                                     678,368
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              7,532
<LONG-TERM>                                     41,056
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                             7
<OTHER-SE>                                      82,639
<TOTAL-LIABILITIES-AND-EQUITY>                 809,602
<INTEREST-LOAN>                                  9,679
<INTEREST-INVEST>                                5,335
<INTEREST-OTHER>                                    48
<INTEREST-TOTAL>                                15,062
<INTEREST-DEPOSIT>                               4,591
<INTEREST-EXPENSE>                               5,220
<INTEREST-INCOME-NET>                            9,842
<LOAN-LOSSES>                                      500
<SECURITIES-GAINS>                               (180)
<EXPENSE-OTHER>                                  6,735
<INCOME-PRETAX>                                  4,336
<INCOME-PRE-EXTRAORDINARY>                       2,714
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,714
<EPS-BASIC>                                       3.92
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    7.92
<LOANS-NON>                                      1,892
<LOANS-PAST>                                         3
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 9,787
<CHARGE-OFFS>                                       86
<RECOVERIES>                                        64
<ALLOWANCE-CLOSE>                               10,265
<ALLOWANCE-DOMESTIC>                            10,265
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,903