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

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<EXCHANGE-RATE>                                      1
<CASH>                                          26,657
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                   193
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    330,017
<INVESTMENTS-CARRYING>                          20,033
<INVESTMENTS-MARKET>                            19,809
<LOANS>                                        881,911
<ALLOWANCE>                                    (7,761)
<TOTAL-ASSETS>                               1,321,036
<DEPOSITS>                                     807,367
<SHORT-TERM>                                    26,200
<LIABILITIES-OTHER>                             11,485
<LONG-TERM>                                    396,898
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        66,313
<OTHER-SE>                                      12,773
<TOTAL-LIABILITIES-AND-EQUITY>               1,321,036
<INTEREST-LOAN>                                 18,025
<INTEREST-INVEST>                                6,027
<INTEREST-OTHER>                                     3
<INTEREST-TOTAL>                                24,055
<INTEREST-DEPOSIT>                               8,256
<INTEREST-EXPENSE>                              14,444
<INTEREST-INCOME-NET>                            9,611
<LOAN-LOSSES>                                      450
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  7,685
<INCOME-PRETAX>                                  4,449
<INCOME-PRE-EXTRAORDINARY>                       3,074
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,074
<EPS-BASIC>                                        .41
<EPS-DILUTED>                                      .41
<YIELD-ACTUAL>                                    8.14
<LOANS-NON>                                      3,234
<LOANS-PAST>                                     3,240
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 7,431
<CHARGE-OFFS>                                    (252)
<RECOVERIES>                                       132
<ALLOWANCE-CLOSE>                                7,761
<ALLOWANCE-DOMESTIC>                             7,761
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0