<TABLE> <S> <C>


<ARTICLE>                    9

<S>                                                 <C>
<PERIOD-TYPE>                                       3-MOS
<FISCAL-YEAR-END>                                   DEC-31-2000
<PERIOD-START>                                      JAN-01-2000
<PERIOD-END>                                        MAR-31-2000
<CASH>                                                   14,892
<INT-BEARING-DEPOSITS>                                        8
<FED-FUNDS-SOLD>                                          8,916
<TRADING-ASSETS>                                              0
<INVESTMENTS-HELD-FOR-SALE>                             545,307
<INVESTMENTS-CARRYING>                                        0
<INVESTMENTS-MARKET>                                          0
<LOANS>                                                 650,096
<ALLOWANCE>                                              (6,827)
<TOTAL-ASSETS>                                        1,248,561
<DEPOSITS>                                              943,235
<SHORT-TERM>                                             30,553
<LIABILITIES-OTHER>                                      12,294
<LONG-TERM>                                             174,117
<PREFERRED-MANDATORY>                                     4,561
<PREFERRED>                                                   0
<COMMON>                                                      0
<OTHER-SE>                                               83,801
<TOTAL-LIABILITIES-AND-EQUITY>                        1,248,561
<INTEREST-LOAN>                                          11,980
<INTEREST-INVEST>                                         8,441
<INTEREST-OTHER>                                             95
<INTEREST-TOTAL>                                         20,516
<INTEREST-DEPOSIT>                                        8,481
<INTEREST-EXPENSE>                                       11,546
<INTEREST-INCOME-NET>                                     8,970
<LOAN-LOSSES>                                                75
<SECURITIES-GAINS>                                          (74)
<EXPENSE-OTHER>                                           4,900
<INCOME-PRETAX>                                           5,881
<INCOME-PRE-EXTRAORDINARY>                                5,881
<EXTRAORDINARY>                                               0
<CHANGES>                                                     0
<NET-INCOME>                                              3,707
<EPS-BASIC>                                                 .45
<EPS-DILUTED>                                               .43
<YIELD-ACTUAL>                                             6.82
<LOANS-NON>                                               2,432
<LOANS-PAST>                                                  0
<LOANS-TROUBLED>                                              0
<LOANS-PROBLEM>                                               0
<ALLOWANCE-OPEN>                                          6,779
<CHARGE-OFFS>                                                35
<RECOVERIES>                                                  8
<ALLOWANCE-CLOSE>                                         6,827
<ALLOWANCE-DOMESTIC>                                          0
<ALLOWANCE-FOREIGN>                                           0
<ALLOWANCE-UNALLOCATED>                                       0



</TABLE>