
<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                      19,336,049
<INT-BEARING-DEPOSITS>                         110,000
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 85,964,330
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    519,724,963
<ALLOWANCE>                                  6,519,685
<TOTAL-ASSETS>                             642,767,862
<DEPOSITS>                                 528,692,257
<SHORT-TERM>                                32,087,000
<LIABILITIES-OTHER>                          6,001,931
<LONG-TERM>                                 31,019,033
<PREFERRED-MANDATORY>                       11,439,255
<PREFERRED>                                          0
<COMMON>                                             0
<OTHER-SE>                                  33,528,386
<TOTAL-LIABILITIES-AND-EQUITY>             624,767,862
<INTEREST-LOAN>                             11,320,731
<INTEREST-INVEST>                            1,281,453
<INTEREST-OTHER>                                57,406
<INTEREST-TOTAL>                            12,659,590
<INTEREST-DEPOSIT>                           5,378,964
<INTEREST-EXPENSE>                           6,342,913
<INTEREST-INCOME-NET>                        6,316,677
<LOAN-LOSSES>                                  450,000
<SECURITIES-GAINS>                            (80,540)
<EXPENSE-OTHER>                              6,553,159
<INCOME-PRETAX>                              2,264,751
<INCOME-PRE-EXTRAORDINARY>                   1,518,661
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,518,661
<EPS-BASIC>                                        .37
<EPS-DILUTED>                                      .37
<YIELD-ACTUAL>                                    4.29
<LOANS-NON>                                  1,294,161
<LOANS-PAST>                                 1,230,936
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                              6,937,431
<ALLOWANCE-OPEN>                             6,193,712
<CHARGE-OFFS>                                  212,631
<RECOVERIES>                                    88,604
<ALLOWANCE-CLOSE>                            6,519,685
<ALLOWANCE-DOMESTIC>                         4,552,832
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                      1,966,853


</TABLE>
