<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANTS 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>                                          22,194
<INT-BEARING-DEPOSITS>                           1,521
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    149,223
<INVESTMENTS-CARRYING>                          68,789
<INVESTMENTS-MARKET>                            67,730
<LOANS>                                        888,932
<ALLOWANCE>                                     11,229
<TOTAL-ASSETS>                               1,162,761
<DEPOSITS>                                     915,467
<SHORT-TERM>                                   145,623
<LIABILITIES-OTHER>                             11,266
<LONG-TERM>                                     25,013
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         4,081
<OTHER-SE>                                      61,311
<TOTAL-LIABILITIES-AND-EQUITY>               1,162,761
<INTEREST-LOAN>                                 19,568
<INTEREST-INVEST>                                3,244
<INTEREST-OTHER>                                    39
<INTEREST-TOTAL>                                22,851
<INTEREST-DEPOSIT>                              10,084
<INTEREST-EXPENSE>                              12,857
<INTEREST-INCOME-NET>                            9,994
<LOAN-LOSSES>                                      825
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  7,432
<INCOME-PRETAX>                                  3,733
<INCOME-PRE-EXTRAORDINARY>                       3,733
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,446
<EPS-BASIC>                                       0.63
<EPS-DILUTED>                                     0.62
<YIELD-ACTUAL>                                    3.66
<LOANS-NON>                                      5,119
<LOANS-PAST>                                        19
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                 33,353
<ALLOWANCE-OPEN>                                11,190
<CHARGE-OFFS>                                      804
<RECOVERIES>                                        88
<ALLOWANCE-CLOSE>                               11,299
<ALLOWANCE-DOMESTIC>                            11,299
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,182