<ARTICLE> 9
<MULTIPLIER> 1,000
<CURRENCY> US DOLLARS

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               MAR-31-2000
<EXCHANGE-RATE>                                      1
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<FED-FUNDS-SOLD>                                94,697
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
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<TOTAL-ASSETS>                               1,758,952
<DEPOSITS>                                   1,550,951
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             52,099
<LONG-TERM>                                     12,650
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<PREFERRED>                                          0
<COMMON>                                           101
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<INTEREST-LOAN>                                 29,405
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<INTEREST-DEPOSIT>                              20,166
<INTEREST-EXPENSE>                              20,475
<INTEREST-INCOME-NET>                           16,526
<LOAN-LOSSES>                                      750
<SECURITIES-GAINS>                               1,349
<EXPENSE-OTHER>                                  9,013
<INCOME-PRETAX>                                 12,867
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<EXTRAORDINARY>                                      0
<CHANGES>                                            0
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<EPS-BASIC>                                       0.84
<EPS-DILUTED>                                     0.82
<YIELD-ACTUAL>                                    3.35
<LOANS-NON>                                     16,476
<LOANS-PAST>                                     6,906
<LOANS-TROUBLED>                                     0
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<CHARGE-OFFS>                                    1,629
<RECOVERIES>                                        43
<ALLOWANCE-CLOSE>                               20,575
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<ALLOWANCE-UNALLOCATED>                         20,575