<ARTICLE>                                            9
<LEGEND>
     *LEGEND: This schedule contains summary financial information extracted
     from the Form 10-Q filed as of June 30, 2000.

<MULTIPLIER>                                   1,000

                                       
<PERIOD-TYPE>                                   6-MOS
<FISCAL-YEAR-END>                         DEC-31-2000
<PERIOD-START>                            JAN-01-2000
<PERIOD-END>                              JUN-30-2000
<CASH>                                         32,365
<INT-BEARING-DEPOSITS>                            440
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                   326,660
<INVESTMENTS-CARRYING>                              0
<INVESTMENTS-MARKET>                                0
<LOANS>                                       701,413
<ALLOWANCE>                                    10,914
<TOTAL-ASSETS>                              1,101,352
<DEPOSITS>                                    729,902
<SHORT-TERM>                                  122,785
<LIABILITIES-OTHER>                             8,026
<LONG-TERM>                                   138,674
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                       66,296
<OTHER-SE>                                      6,666
<TOTAL-LIABILITIES-AND-EQUITY>              1,101,352
<INTEREST-LOAN>                                30,215
<INTEREST-INVEST>                               9,052
<INTEREST-OTHER>                                1,769
<INTEREST-TOTAL>                               41,036
<INTEREST-DEPOSIT>                             14,474
<INTEREST-EXPENSE>                             20,707
<INTEREST-INCOME-NET>                          20,329
<LOAN-LOSSES>                                   1,122
<SECURITIES-GAINS>                               (56)
<EXPENSE-OTHER>                                15,493
<INCOME-PRETAX>                                 8,019
<INCOME-PRE-EXTRAORDINARY>                      8,019
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                    5,561
<EPS-BASIC>                                      0.85
<EPS-DILUTED>                                    0.84
<YIELD-ACTUAL>                                   4.22
<LOANS-NON>                                     1,363
<LOANS-PAST>                                      304
<LOANS-TROUBLED>                                  573
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                               10,264
<CHARGE-OFFS>                                     641
<RECOVERIES>                                      168
<ALLOWANCE-CLOSE>                              10,913
<ALLOWANCE-DOMESTIC>                            9,920
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                           993