<ARTICLE> 9
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<EXCHANGE-RATE>                                      1
<CASH>                                          40,129
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                   161
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    374,268
<INVESTMENTS-CARRYING>                          19,358
<INVESTMENTS-MARKET>                            19,182
<LOANS>                                      1,103,821
<ALLOWANCE>                                    (9,908)
<TOTAL-ASSETS>                               1,622,928
<DEPOSITS>                                   1,038,427
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             15,626
<LONG-TERM>                                    473,800
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        80,798
<OTHER-SE>                                      14,277
<TOTAL-LIABILITIES-AND-EQUITY>               1,622,928
<INTEREST-LOAN>                                 37,582
<INTEREST-INVEST>                               12,384
<INTEREST-OTHER>                                     8
<INTEREST-TOTAL>                                49,974
<INTEREST-DEPOSIT>                              17,730
<INTEREST-EXPENSE>                              30,770
<INTEREST-INCOME-NET>                           19,204
<LOAN-LOSSES>                                      900
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 15,247
<INCOME-PRETAX>                                  9,027
<INCOME-PRE-EXTRAORDINARY>                       6,221
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,221
<EPS-BASIC>                                        .82
<EPS-DILUTED>                                      .82
<YIELD-ACTUAL>                                    8.22
<LOANS-NON>                                      3,931
<LOANS-PAST>                                     2,924
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 7,431
<CHARGE-OFFS>                                    (488)
<RECOVERIES>                                       292
<ALLOWANCE-CLOSE>                                9,908
<ALLOWANCE-DOMESTIC>                             9,908
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0