<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> MAR-31-2000 <CASH> 15,193 <INT-BEARING-DEPOSITS> 73,578 <FED-FUNDS-SOLD> 73,500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 1,507,938 <ALLOWANCE> 25,731 <TOTAL-ASSETS> 1,620,165 <DEPOSITS> 1,145,093 <SHORT-TERM> 120,000 <LIABILITIES-OTHER> 15,079 <LONG-TERM> 244,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 55 <OTHER-SE> 95,938 <TOTAL-LIABILITIES-AND-EQUITY> 1,620,165 <INTEREST-LOAN> 32,913 <INTEREST-INVEST> 1,523 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 34,436 <INTEREST-DEPOSIT> 13,843 <INTEREST-EXPENSE> 19,691 <INTEREST-INCOME-NET> 14,745 <LOAN-LOSSES> 1,500 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 9,927 <INCOME-PRETAX> 5,019 <INCOME-PRE-EXTRAORDINARY> 2,904 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,904 <EPS-BASIC> 0.53 <EPS-DILUTED> 0.39 <YIELD-ACTUAL> 8.64 <LOANS-NON> 39,221 <LOANS-PAST> 0 <LOANS-TROUBLED> 13,817 <LOANS-PROBLEM> 48,439 <ALLOWANCE-OPEN> 24,285 <CHARGE-OFFS> 107 <RECOVERIES> 53 <ALLOWANCE-CLOSE> 25,731 <ALLOWANCE-DOMESTIC> 25,731 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 550