<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