<ARTICLE> 9

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          MAR-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                        $ 12,870
<INT-BEARING-DEPOSITS>                              16
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<DEPOSITS>                                   1,135,241
<SHORT-TERM>                                    45,000
<LIABILITIES-OTHER>                             32,338
<LONG-TERM>                                    141,944
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<OTHER-SE>                                     545,515
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<INTEREST-LOAN>                                 18,984
<INTEREST-INVEST>                               11,938
<INTEREST-OTHER>                                   170
<INTEREST-TOTAL>                                31,092
<INTEREST-DEPOSIT>                              11,485
<INTEREST-EXPENSE>                              14,408
<INTEREST-INCOME-NET>                           16,684
<LOAN-LOSSES>                                      550
<SECURITIES-GAINS>                               1,416
<EXPENSE-OTHER>                                  7,259
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<EPS-BASIC>                                       0.28
<EPS-DILUTED>                                     0.28
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<CHARGE-OFFS>                                      141
<RECOVERIES>                                        12
<ALLOWANCE-CLOSE>                                9,241
<ALLOWANCE-DOMESTIC>                             9,241
<ALLOWANCE-FOREIGN>                                  0
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