<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>                                                                    37,418
<INT-BEARING-DEPOSITS>                                                       482
<FED-FUNDS-SOLD>                                                           1,800
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                              305,929
<INVESTMENTS-CARRYING>                                                    11,951
<INVESTMENTS-MARKET>                                                      11,964
<LOANS>                                                                1,043,567
<ALLOWANCE>                                                               10,468
<TOTAL-ASSETS>                                                         1,446,178
<DEPOSITS>                                                             1,143,763
<SHORT-TERM>                                                                   0
<LIABILITIES-OTHER>                                                      200,549
<LONG-TERM>                                                                    0
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                   1,351
<OTHER-SE>                                                               123,437
<TOTAL-LIABILITIES-AND-EQUITY>                                         1,446,178
<INTEREST-LOAN>                                                           21,502
<INTEREST-INVEST>                                                          4,886
<INTEREST-OTHER>                                                             186
<INTEREST-TOTAL>                                                          26,574
<INTEREST-DEPOSIT>                                                        10,903
<INTEREST-EXPENSE>                                                        13,301
<INTEREST-INCOME-NET>                                                     13,273
<LOAN-LOSSES>                                                                479
<SECURITIES-GAINS>                                                         (198)
<EXPENSE-OTHER>                                                            9,407
<INCOME-PRETAX>                                                            7,092
<INCOME-PRE-EXTRAORDINARY>                                                 4,820
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                               4,820
<EPS-BASIC>                                                                 0.44
<EPS-DILUTED>                                                               0.44
<YIELD-ACTUAL>                                                              4.07
<LOANS-NON>                                                                1,115
<LOANS-PAST>                                                               2,466
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                          10,128
<CHARGE-OFFS>                                                                288
<RECOVERIES>                                                                 149
<ALLOWANCE-CLOSE>                                                         10,468
<ALLOWANCE-DOMESTIC>                                                      10,468
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                        0



</TABLE>