<ARTICLE> 9
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS

                             
<PERIOD-TYPE>                   3-MOS
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<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<EXCHANGE-RATE>                                      1
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<TRADING-ASSETS>                                     0
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<ALLOWANCE>                                      3,709
<TOTAL-ASSETS>                                 507,405
<DEPOSITS>                                     378,784
<SHORT-TERM>                                    14,500
<LIABILITIES-OTHER>                              4,490
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<INTEREST-INVEST>                                1,211
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<INTEREST-EXPENSE>                               5,442
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<ALLOWANCE-DOMESTIC>                             3,709
<ALLOWANCE-FOREIGN>                                  0
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