<ARTICLE> 9

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                          19,359
<INT-BEARING-DEPOSITS>                           1,131
<FED-FUNDS-SOLD>                                82,625
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    343,793
<INVESTMENTS-CARRYING>                         108,087
<INVESTMENTS-MARKET>                           100,422
<LOANS>                                        724,906
<ALLOWANCE>                                      9,776
<TOTAL-ASSETS>                               1,313,253
<DEPOSITS>                                     864,450
<SHORT-TERM>                                   336,522
<LIABILITIES-OTHER>                             15,190
<LONG-TERM>                                     27,900
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        46,884
<OTHER-SE>                                      22,307
<TOTAL-LIABILITIES-AND-EQUITY>                  69,191
<INTEREST-LOAN>                                 29,983
<INTEREST-INVEST>                               14,599
<INTEREST-OTHER>                                   798
<INTEREST-TOTAL>                                45,380
<INTEREST-DEPOSIT>                              17,505
<INTEREST-EXPENSE>                              27,189
<INTEREST-INCOME-NET>                           18,191
<LOAN-LOSSES>                                    1,700
<SECURITIES-GAINS>                                   5
<EXPENSE-OTHER>                                 11,031
<INCOME-PRETAX>                                  7,085
<INCOME-PRE-EXTRAORDINARY>                       7,085
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     5,025
<EPS-BASIC>                                       0.75
<EPS-DILUTED>                                     0.75
<YIELD-ACTUAL>                                    7.86
<LOANS-NON>                                      3,323
<LOANS-PAST>                                     1,234
<LOANS-TROUBLED>                                   723
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 8,965
<CHARGE-OFFS>                                      975
<RECOVERIES>                                        86
<ALLOWANCE-CLOSE>                                9,776
<ALLOWANCE-DOMESTIC>                             9,776
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0