<ARTICLE>                    9

                                                 
<PERIOD-TYPE>                                       3-MOS
<FISCAL-YEAR-END>                                   DEC-31-2000
<PERIOD-START>                                      JAN-01-2000
<PERIOD-END>                                        MAR-31-2000
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<LOAN-LOSSES>                                                75
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<CHARGE-OFFS>                                                35
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