<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated Condensed Statements of Condition at March 31, 2000 (unaudited) and
the Consolidated  Condensed  Statements of Operations for the three months ended
March 31, 2000 (unaudited) and is qualified in its entirety by reference to such
financial statements.

</LEGEND>

<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>                                           10,694
<INT-BEARING-DEPOSITS>                                6
<FED-FUNDS-SOLD>                                  1,200
<TRADING-ASSETS>                                    212
<INVESTMENTS-HELD-FOR-SALE>                     227,056
<INVESTMENTS-CARRYING>                                0
<INVESTMENTS-MARKET>                                  0
<LOANS>                                         321,189
<ALLOWANCE>                                     (5,787)
<TOTAL-ASSETS>                                  579,462
<DEPOSITS>                                      348,453
<SHORT-TERM>                                     79,830
<LIABILITIES-OTHER>                               7,394
<LONG-TERM>                                     101,020
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                          5,878
<OTHER-SE>                                       36,887
<TOTAL-LIABILITIES-AND-EQUITY>                  579,462
<INTEREST-LOAN>                                   6,405
<INTEREST-INVEST>                                 3,874
<INTEREST-OTHER>                                    168
<INTEREST-TOTAL>                                 10,447
<INTEREST-DEPOSIT>                                2,918
<INTEREST-EXPENSE>                                5,305
<INTEREST-INCOME-NET>                             5,142
<LOAN-LOSSES>                                       118
<SECURITIES-GAINS>                                  158
<EXPENSE-OTHER>                                   2,964
<INCOME-PRETAX>                                   2,891
<INCOME-PRE-EXTRAORDINARY>                        2,891
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                      2,028
<EPS-BASIC>                                         .39
<EPS-DILUTED>                                       .37
<YIELD-ACTUAL>                                     3.68
<LOANS-NON>                                         908
<LOANS-PAST>                                          0
<LOANS-TROUBLED>                                    488
<LOANS-PROBLEM>                                   5,517
<ALLOWANCE-OPEN>                                  5,681
<CHARGE-OFFS>                                        98
<RECOVERIES>                                         86
<ALLOWANCE-CLOSE>                                 5,787
<ALLOWANCE-DOMESTIC>                              4,130
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                           1,657



</TABLE>