<ARTICLE>                                            9


                                  
<PERIOD-TYPE>                        6-MOS
<FISCAL-YEAR-END>                             DEC-31-2000
<PERIOD-END>                                  JUN-30-2000
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<TRADING-ASSETS>                                        0
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<ALLOWANCE>                                      (115,395)
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<LIABILITIES-OTHER>                               144,016
<LONG-TERM>                                       122,792
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<COMMON>                                              688
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<INTEREST-INVEST>                                  99,871
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<INTEREST-DEPOSIT>                                173,695
<INTEREST-EXPENSE>                                256,360
<INTEREST-INCOME-NET>                             194,711
<LOAN-LOSSES>                                      10,881
<SECURITIES-GAINS>                                 (7,192)
<EXPENSE-OTHER>                                    38,813
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<EXTRAORDINARY>                                         0
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<EPS-BASIC>                                        1.25
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<LOANS-TROUBLED>                                        0
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<CHARGE-OFFS>                                       5,758
<RECOVERIES>                                        1,292
<ALLOWANCE-CLOSE>                                 115,395
<ALLOWANCE-DOMESTIC>                              115,395
<ALLOWANCE-FOREIGN>                                     0
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