<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL DINFROMATION EXTRACTED FROM THE
COMPANY'S BALANCE SHEET AS OF JUNE 30, 2000 AND STATEMENT OF EARNINGS FOR THE
SIX MONTHS ENDED JUNE 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.

<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                           8,020
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     79,974
<INVESTMENTS-CARRYING>                          79,974
<INVESTMENTS-MARKET>                            79,974
<LOANS>                                         30,264
<ALLOWANCE>                                          0
<TOTAL-ASSETS>                                 184,903
<DEPOSITS>                                           0
<SHORT-TERM>                                    66,955
<LIABILITIES-OTHER>                              6,969
<LONG-TERM>                                     57,140
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                       166,981
<OTHER-SE>                                   (113,142)
<TOTAL-LIABILITIES-AND-EQUITY>                 184,903
<INTEREST-LOAN>                                  2,087
<INTEREST-INVEST>                                5,838
<INTEREST-OTHER>                                   214
<INTEREST-TOTAL>                                 8,139
<INTEREST-DEPOSIT>                                   0
<INTEREST-EXPENSE>                               4,004
<INTEREST-INCOME-NET>                            4,135
<LOAN-LOSSES>                                        0
<SECURITIES-GAINS>                               5,342
<EXPENSE-OTHER>                                  4,706
<INCOME-PRETAX>                                  5,053
<INCOME-PRE-EXTRAORDINARY>                       5,053
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,928
<EPS-BASIC>                                       0.47
<EPS-DILUTED>                                     0.47
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                    0
<ALLOWANCE-DOMESTIC>                                 0
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0