<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
     TO SUCH FINANCIAL INFORMATION.


<MULTIPLIER>                                   1000

                                   
<PERIOD-TYPE>                                 6-MOS
<FISCAL-YEAR-END>                             DEC-31-2000
<PERIOD-END>                                  JUN-30-2000
<CASH>                                          8,980
<INT-BEARING-DEPOSITS>                            556
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                   161,274
<INVESTMENTS-CARRYING>                        382,530
<INVESTMENTS-MARKET>                          374,912
<LOANS>                                       295,232
<ALLOWANCE>                                     1,902
<TOTAL-ASSETS>                                721,521
<DEPOSITS>                                    419,611
<SHORT-TERM>                                   69,228
<LIABILITIES-OTHER>                            10,046
<LONG-TERM>                                   173,359
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                          529
<OTHER-SE>                                     48,748
<TOTAL-LIABILITIES-AND-EQUITY>                721,521
<INTEREST-LOAN>                                11,407
<INTEREST-INVEST>                              12,783
<INTEREST-OTHER>                                  165
<INTEREST-TOTAL>                               24,355
<INTEREST-DEPOSIT>                              7,388
<INTEREST-EXPENSE>                             14,531
<INTEREST-INCOME-NET>                           9,824
<LOAN-LOSSES>                                     164
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                 7,341
<INCOME-PRETAX>                                 3,069
<INCOME-PRE-EXTRAORDINARY>                      3,069
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                    2,086
<EPS-BASIC>                                       .82
<EPS-DILUTED>                                     .79
<YIELD-ACTUAL>                                   2.72
<LOANS-NON>                                         0
<LOANS-PAST>                                    1,322
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                1,970
<CHARGE-OFFS>                                     232
<RECOVERIES>                                        0
<ALLOWANCE-CLOSE>                               1,902
<ALLOWANCE-DOMESTIC>                                0
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                         1,902