<TABLE> <S> <C>


<ARTICLE>                     9
<LEGEND>
These  schedules  contain  summary  financial  information  extracted  from  the
consolidated balance sheets, the consolidated  statements of income, and Company
records,  and are  qualified in their  entirety by  reference to such  financial
statements. All dollar amounts are in thousands, except per share data.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                                DEC-31-2000
<PERIOD-END>                                     MAR-31-2000
<CASH>                                                33,018
<INT-BEARING-DEPOSITS>                                 1,038
<FED-FUNDS-SOLD>                                       2,900
<TRADING-ASSETS>                                           0
<INVESTMENTS-HELD-FOR-SALE>                          147,813
<INVESTMENTS-CARRYING>                                     0
<INVESTMENTS-MARKET>                                       0
<LOANS>                                              593,559
<ALLOWANCE>                                            7,593
<TOTAL-ASSETS>                                       840,459
<DEPOSITS>                                           668,356
<SHORT-TERM>                                          28,067
<LIABILITIES-OTHER>                                    9,226
<LONG-TERM>                                                0
<PREFERRED-MANDATORY>                                      0
<PREFERRED>                                              905
<COMMON>                                              27,904
<OTHER-SE>                                            58,774
<TOTAL-LIABILITIES-AND-EQUITY>                       840,459
<INTEREST-LOAN>                                       13,580
<INTEREST-INVEST>                                      2,095
<INTEREST-OTHER>                                          94
<INTEREST-TOTAL>                                      15,769
<INTEREST-DEPOSIT>                                     6,120
<INTEREST-EXPENSE>                                     7,210
<INTEREST-INCOME-NET>                                  8,559
<LOAN-LOSSES>                                            573
<SECURITIES-GAINS>                                         0
<EXPENSE-OTHER>                                        1,107
<INCOME-PRETAX>                                        3,311
<INCOME-PRE-EXTRAORDINARY>                             3,311
<EXTRAORDINARY>                                            0
<CHANGES>                                                  0
<NET-INCOME>                                           2,235
<EPS-BASIC>                                              .20
<EPS-DILUTED>                                            .19
<YIELD-ACTUAL>                                          8.55
<LOANS-NON>                                            3,946
<LOANS-PAST>                                           2,800
<LOANS-TROUBLED>                                         402
<LOANS-PROBLEM>                                            0
<ALLOWANCE-OPEN>                                       7,400
<CHARGE-OFFS>                                            440
<RECOVERIES>                                              61
<ALLOWANCE-CLOSE>                                      7,593
<ALLOWANCE-DOMESTIC>                                   7,593
<ALLOWANCE-FOREIGN>                                        0
<ALLOWANCE-UNALLOCATED>                                1,092



</TABLE>