<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FORM 10-Q
FOR THE QUARTER ENDED MARCH 31, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                          37,752
<INT-BEARING-DEPOSITS>                           1,904
<FED-FUNDS-SOLD>                                16,293
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    511,482
<INVESTMENTS-CARRYING>                         108,934
<INVESTMENTS-MARKET>                           104,188
<LOANS>                                        848,307
<ALLOWANCE>                                      8,400
<TOTAL-ASSETS>                               1,623,863
<DEPOSITS>                                   1,219,640
<SHORT-TERM>                                   223,785
<LIABILITIES-OTHER>                              5,481
<LONG-TERM>                                     64,456
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         9,599
<OTHER-SE>                                     100,902
<TOTAL-LIABILITIES-AND-EQUITY>               1,623,863
<INTEREST-LOAN>                                 17,611
<INTEREST-INVEST>                                9,685
<INTEREST-OTHER>                                   296
<INTEREST-TOTAL>                                27,592
<INTEREST-DEPOSIT>                               9,102
<INTEREST-EXPENSE>                              13,549
<INTEREST-INCOME-NET>                           14,043
<LOAN-LOSSES>                                      300
<SECURITIES-GAINS>                                 (8)
<EXPENSE-OTHER>                                 11,354
<INCOME-PRETAX>                                  7,235
<INCOME-PRE-EXTRAORDINARY>                       7,235
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,020
<EPS-BASIC>                                       0.52
<EPS-DILUTED>                                     0.52
<YIELD-ACTUAL>                                    4.15
<LOANS-NON>                                        409
<LOANS-PAST>                                     1,124
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  6,397
<ALLOWANCE-OPEN>                                 8,231
<CHARGE-OFFS>                                      137
<RECOVERIES>                                         6
<ALLOWANCE-CLOSE>                                8,400
<ALLOWANCE-DOMESTIC>                             2,042
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          6,358