<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINES SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 1ST
QUARTER 10-Q 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>                                           3,498
<INT-BEARING-DEPOSITS>                           9,769
<FED-FUNDS-SOLD>                                 2,630
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    589,393
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        471,589
<ALLOWANCE>                                      4,915
<TOTAL-ASSETS>                               1,144,596
<DEPOSITS>                                     498,300
<SHORT-TERM>                                   253,651
<LIABILITIES-OTHER>                              6,962
<LONG-TERM>                                    297,461
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            69
<OTHER-SE>                                      59,595
<TOTAL-LIABILITIES-AND-EQUITY>               1,144,596
<INTEREST-LOAN>                                  8,395
<INTEREST-INVEST>                                9,590
<INTEREST-OTHER>                                   402
<INTEREST-TOTAL>                                18,387
<INTEREST-DEPOSIT>                               4,976
<INTEREST-EXPENSE>                              13,655
<INTEREST-INCOME-NET>                            4,732
<LOAN-LOSSES>                                    (452)
<SECURITIES-GAINS>                                   4
<EXPENSE-OTHER>                                  3,348
<INCOME-PRETAX>                                  2,501
<INCOME-PRE-EXTRAORDINARY>                       2,501
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,923
<EPS-BASIC>                                       0.37
<EPS-DILUTED>                                     0.37
<YIELD-ACTUAL>                                    7.32
<LOANS-NON>                                      3,520
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,823
<CHARGE-OFFS>                                        1
<RECOVERIES>                                         1
<ALLOWANCE-CLOSE>                                4,915
<ALLOWANCE-DOMESTIC>                             4,915
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0