<ARTICLE> 9
<MULTIPLIER> 1,000

                                                  
<PERIOD-TYPE>                   6-MOS                   YEAR
<FISCAL-YEAR-END>                          DEC-31-2000             DEC-31-1999
<PERIOD-START>                             JAN-01-2000             JAN-01-1999
<PERIOD-END>                               JUN-30-2000             DEC-31-1999
<CASH>                                          27,039                  24,230
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                 1,585                     415
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                    184,648                 163,997
<INVESTMENTS-CARRYING>                          52,031                  68,193
<INVESTMENTS-MARKET>                            52,123                  68,049
<LOANS>                                        689,750                 635,434
<ALLOWANCE>                                     10,609                   9,390
<TOTAL-ASSETS>                               1,001,743                 928,350
<DEPOSITS>                                     676,784                 667,720
<SHORT-TERM>                                   234,624                 173,924
<LIABILITIES-OTHER>                              8,090                   9,083
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         2,450                   2,450
<OTHER-SE>                                      79,795                  75,173
<TOTAL-LIABILITIES-AND-EQUITY>               1,001,743                 928,350
<INTEREST-LOAN>                                 29,568                  54,838
<INTEREST-INVEST>                                8,340                  15,553
<INTEREST-OTHER>                                   333                     172
<INTEREST-TOTAL>                                38,241                  70,563
<INTEREST-DEPOSIT>                              12,120                  23,187
<INTEREST-EXPENSE>                              18,590                  30,504
<INTEREST-INCOME-NET>                           19,651                  40,059
<LOAN-LOSSES>                                    1,288                   3,670
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                 13,088                  27,604
<INCOME-PRETAX>                                  9,413                  15,412
<INCOME-PRE-EXTRAORDINARY>                       9,413                  15,412
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     6,517                  10,229
<EPS-BASIC>                                       0.80                    1.27
<EPS-DILUTED>                                     0.80                    1.27
<YIELD-ACTUAL>                                    8.54                    8.53
<LOANS-NON>                                      5,653                   6,136
<LOANS-PAST>                                       695                     195
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                  6,348                   6,331
<ALLOWANCE-OPEN>                                 9,390                   8,092
<CHARGE-OFFS>                                      449                   2,660
<RECOVERIES>                                       380                     288
<ALLOWANCE-CLOSE>                               10,609                   9,390
<ALLOWANCE-DOMESTIC>                             9,911                   8,862
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                            698                     528