<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> 80,556 <INT-BEARING-DEPOSITS> 6,192 <FED-FUNDS-SOLD> 29,195 <TRADING-ASSETS> 653 <INVESTMENTS-HELD-FOR-SALE> 324,852 <INVESTMENTS-CARRYING> 33,102 <INVESTMENTS-MARKET> 33,182 <LOANS> 1,374,721 <ALLOWANCE> 18,554 <TOTAL-ASSETS> 1,982,595 <DEPOSITS> 1,533,392 <SHORT-TERM> 18,389 <LIABILITIES-OTHER> 45,882 <LONG-TERM> 123,986 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 11,187 <OTHER-SE> 130,023 <TOTAL-LIABILITIES-AND-EQUITY> 1,982,595 <INTEREST-LOAN> 29,458 <INTEREST-INVEST> 5,834 <INTEREST-OTHER> ,802 <INTEREST-TOTAL> 36,094 <INTEREST-DEPOSIT> 14,389 <INTEREST-EXPENSE> 3,797 <INTEREST-INCOME-NET> 17,908 <LOAN-LOSSES> 526 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 16,862 <INCOME-PRETAX> 8,135 <INCOME-PRE-EXTRAORDINARY> 8,135 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,658 <EPS-BASIC> 0.51 <EPS-DILUTED> 0.51 <YIELD-ACTUAL> 4.10 <LOANS-NON> 4,007 <LOANS-PAST> 0 <LOANS-TROUBLED> 415 <LOANS-PROBLEM> 18,009 <ALLOWANCE-OPEN> 18,068 <CHARGE-OFFS> 208 <RECOVERIES> 168 <ALLOWANCE-CLOSE> 18,554 <ALLOWANCE-DOMESTIC> 18,554 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 18,554