WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>

<ARTICLE>                                                        9

<S>                                                  <C>
<FISCAL-YEAR-END>                                      DEC-31-2000
<PERIOD-END>                                           MAR-31-2000
<PERIOD-TYPE>                                                3-MOS
<CASH>                                                  45,555,230
<INT-BEARING-DEPOSITS>                                     605,042
<FED-FUNDS-SOLD>                                        17,700,000
<TRADING ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                            252,084,471
<INVESTMENTS-CARRYING>                                   6,020,421
<INVESTMENTS-MARKET>                                     6,031,752
<LOANS>                                                872,525,447
<ALLOWANCE>                                             10,246,114
<TOTAL-ASSETS>                                       1,240,690,388
<DEPOSITS>                                           1,000,134,736
<SHORT-TERM>                                            42,105,726
<LIABILITIES-OTHER>                                     11,343,126
<LONG-TERM>                                             85,200,000
<COMMON>                                                54,315,551
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<OTHER-SE>                                              36,591,250
<TOTAL-LIABILITIES-AND-EQUITY>                       1,240,690,388
<INTEREST-LOAN>                                         19,692,277
<INTEREST-INVEST>                                        4,101,020
<INTEREST-OTHER>                                           155,309
<INTEREST-TOTAL>                                        23,948,606
<INTEREST-DEPOSIT>                                       9,159,853
<INTEREST-EXPENSE>                                      11,034,652
<INTEREST-INCOME-NET>                                   12,913,954
<LOAN-LOSSES>                                              550,000
<SECURITIES-GAIN>                                                0
<EXPENSE-OTHER>                                          2,655,976
<INCOME-PRETAX>                                          5,860,531
<INCOME-PRE-EXTRAORDINARY>                               5,860,531
<EXTRAORDINARY>                                                  0
<CHANGES>                                                        0
<NET-INCOME>                                             3,834,250
<EPS-BASIC>                                                   0.48
<EPS-DILUTED>                                                 0.46
<YIELD-ACTUAL>                                                4.55
<LOANS-NON>                                              2,420,526
<LOANS-PAST>                                                     0
<LOANS-TROUBLED>                                                 0
<LOANS-PROBLEM>                                                  0
<ALLOWANCE-OPEN>                                         9,924,114
<CHARGE-OFFS>                                              364,086
<RECOVERIES>                                               136,086
<ALLOWANCE-CLOSE>                                       10,246,114
<ALLOWANCE-DOMESTIC>                                     9,746,114
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                    500,000





</TABLE>