<TABLE> <S> <C>

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<S>                             <C>
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<PERIOD-START>                                   JUL-1-1999
<PERIOD-END>                                    MAR-31-2000
<CASH>                                                 3248
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<LOANS>                                              452659
<ALLOWANCE>                                            3905
<TOTAL-ASSETS>                                       563564
<DEPOSITS>                                           444584
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<LONG-TERM>                                           16651
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<PREFERRED>                                               0
<COMMON>                                                 51
<OTHER-SE>                                            59550
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<CHANGES>                                                 0
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<EPS-BASIC>                                             .73
<EPS-DILUTED>                                           .72
<YIELD-ACTUAL>                                         7.61
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<CHARGE-OFFS>                                            65
<RECOVERIES>                                            146
<ALLOWANCE-CLOSE>                                      3711
<ALLOWANCE-DOMESTIC>                                   3711
<ALLOWANCE-FOREIGN>                                       0
<ALLOWANCE-UNALLOCATED>                                 995



</TABLE>