<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                   1,000

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-START>                                 JAN-01-2000
<PERIOD-END>                                   MAR-31-2000
<CASH>                                              21,551
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                        809,966
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                          1,070,815
<ALLOWANCE>                                         11,390
<TOTAL-ASSETS>                                   1,961,100
<DEPOSITS>                                       1,226,099
<SHORT-TERM>                                       251,000
<LIABILITIES-OTHER>                                 21,277
<LONG-TERM>                                        235,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                               431
<OTHER-SE>                                         227,293
<TOTAL-LIABILITIES-AND-EQUITY>                   1,961,100
<INTEREST-LOAN>                                     19,184
<INTEREST-INVEST>                                   13,663
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                    32,847
<INTEREST-DEPOSIT>                                  11,395
<INTEREST-EXPENSE>                                  18,229
<INTEREST-INCOME-NET>                               14,618
<LOAN-LOSSES>                                          393
<SECURITIES-GAINS>                                    (19)
<EXPENSE-OTHER>                                      6,331
<INCOME-PRETAX>                                      8,632
<INCOME-PRE-EXTRAORDINARY>                           8,632
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         5,736
<EPS-BASIC>                                           0.16
<EPS-DILUTED>                                         0.16
<YIELD-ACTUAL>                                        3.06
<LOANS-NON>                                          2,449
<LOANS-PAST>                                           410
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                    11,004
<CHARGE-OFFS>                                            7
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                   11,390
<ALLOWANCE-DOMESTIC>                                11,390
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0



</TABLE>