<ARTICLE>                                                                  9
<MULTIPLIER>                                                           1,000

                                                                      
<PERIOD-TYPE>                                                          6-MOS
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<PERIOD-START>                                                   JAN-01-2000
<PERIOD-END>                                                     JUN-30-2000
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<EPS-BASIC>                                                              .52
<EPS-DILUTED>                                                            .51
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<CHARGE-OFFS>                                                             45
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