<TABLE> <S> <C>


<ARTICLE>                               9
<MULTIPLIER>                            1,000

<S>                                     <C>                  <C>
<PERIOD-TYPE>                           3-MOS                3-MOS
<FISCAL-YEAR-END>                       DEC-31-2000          DEC-31-1999
<PERIOD-START>                          JAN-01-2000          JAN-01-1999
<PERIOD-END>                            MAR-31-2000          MAR-31-1999
<CASH>                                       33,247               24,362
<INT-BEARING-DEPOSITS>                          595                2,327
<FED-FUNDS-SOLD>                             17,900               48,200
<TRADING-ASSETS>                                  0                    0
<INVESTMENTS-HELD-FOR-SALE>                 424,750              365,433
<INVESTMENTS-CARRYING>                      196,115              108,127
<INVESTMENTS-MARKET>                        190,095              111,181
<LOANS>                                     960,406              766,414
<ALLOWANCE>                                  11,097                9,432
<TOTAL-ASSETS>                            1,700,005            1,355,839
<DEPOSITS>                                1,239,219            1,004,490
<SHORT-TERM>                                141,000                1,000
<LIABILITIES-OTHER>                          16,390               12,756
<LONG-TERM>                                 185,463              218,211
<PREFERRED-MANDATORY>                             0                    0
<PREFERRED>                                       0                    0
<COMMON>                                        164                  162
<OTHER-SE>                                   97,635               99,083
<TOTAL-LIABILITIES-AND-EQUITY>            1,700,005            1,355,839
<INTEREST-LOAN>                              19,915               15,632
<INTEREST-INVEST>                            11,077                7,245
<INTEREST-OTHER>                                345                  384
<INTEREST-TOTAL>                             31,337               23,261
<INTEREST-DEPOSIT>                           11,079                8,494
<INTEREST-EXPENSE>                           16,450               11,666
<INTEREST-INCOME-NET>                        14,887               11,595
<LOAN-LOSSES>                                   450                  608
<SECURITIES-GAINS>                                0                  326
<EXPENSE-OTHER>                               7,941                6,952
<INCOME-PRETAX>                               7,785                5,512
<INCOME-PRE-EXTRAORDINARY>                    7,785                5,512
<EXTRAORDINARY>                                   0                    0
<CHANGES>                                         0                    0
<NET-INCOME>                                  5,060                3,475
<EPS-BASIC>                                    0.32                 0.22
<EPS-DILUTED>                                  0.31                 0.21
<YIELD-ACTUAL>                                 3.78                 3.88
<LOANS-NON>                                   2,369                1,018
<LOANS-PAST>                                    122                  225
<LOANS-TROUBLED>                                556                  601
<LOANS-PROBLEM>                               1,145                  850
<ALLOWANCE-OPEN>                             10,687                8,889
<CHARGE-OFFS>                                    66                   88
<RECOVERIES>                                     26                   23
<ALLOWANCE-CLOSE>                            11,097                9,432
<ALLOWANCE-DOMESTIC>                         11,097                9,432
<ALLOWANCE-FOREIGN>                               0                    0
<ALLOWANCE-UNALLOCATED>                           0                    0



</TABLE>