<TABLE> <S> <C>

<ARTICLE>                             9
<MULTIPLIER>                          1,000

<S>                                       <C>
<PERIOD-TYPE>                             3-MOS
<FISCAL-YEAR-END>                                              DEC-31-2000
<PERIOD-END>                                                   MAR-31-2000
<CASH>                                                                  99,918
<INT-BEARING-DEPOSITS>                                                       0
<FED-FUNDS-SOLD>                                                        40,630
<TRADING-ASSETS>                                                             0
<INVESTMENTS-HELD-FOR-SALE>                                            370,131
<INVESTMENTS-CARRYING>                                                  58,757
<INVESTMENTS-MARKET>                                                    59,013
<LOANS>                                                              1,695,906
<ALLOWANCE>                                                             26,835
<TOTAL-ASSETS>                                                       2,367,425
<DEPOSITS>                                                           1,855,696
<SHORT-TERM>                                                           266,987
<LIABILITIES-OTHER>                                                     22,360
<LONG-TERM>                                                             67,500
<PREFERRED-MANDATORY>                                                        0
<PREFERRED>                                                                  0
<COMMON>                                                                13,918
<OTHER-SE>                                                             140,964
<TOTAL-LIABILITIES-AND-EQUITY>                                       2,367,425
<INTEREST-LOAN>                                                         36,283
<INTEREST-INVEST>                                                        6,426
<INTEREST-OTHER>                                                           748
<INTEREST-TOTAL>                                                        43,457
<INTEREST-DEPOSIT>                                                      15,330
<INTEREST-EXPENSE>                                                      20,504
<INTEREST-INCOME-NET>                                                   22,953
<LOAN-LOSSES>                                                            2,655
<SECURITIES-GAINS>                                                           0
<EXPENSE-OTHER>                                                         24,377
<INCOME-PRETAX>                                                          7,713
<INCOME-PRE-EXTRAORDINARY>                                               4,530
<EXTRAORDINARY>                                                              0
<CHANGES>                                                                    0
<NET-INCOME>                                                             4,530
<EPS-BASIC>                                                               1.90
<EPS-DILUTED>                                                             1.88
<YIELD-ACTUAL>                                                            0.00
<LOANS-NON>                                                              3,021
<LOANS-PAST>                                                             1,261
<LOANS-TROUBLED>                                                             0
<LOANS-PROBLEM>                                                              0
<ALLOWANCE-OPEN>                                                        26,010
<CHARGE-OFFS>                                                            2,479
<RECOVERIES>                                                               649
<ALLOWANCE-CLOSE>                                                       26,835
<ALLOWANCE-DOMESTIC>                                                    26,835
<ALLOWANCE-FOREIGN>                                                          0
<ALLOWANCE-UNALLOCATED>                                                      0


</TABLE>