[ARTICLE] 9

                             
[PERIOD-TYPE]                   6-MOS
[FISCAL-YEAR-END]                          DEC-31-2000
[PERIOD-END]                               JUN-30-2000
[CASH]                                          20,844
[INT-BEARING-DEPOSITS]                             100
[FED-FUNDS-SOLD]                                     0
[TRADING-ASSETS]                                     0
[INVESTMENTS-HELD-FOR-SALE]                    577,911
[INVESTMENTS-CARRYING]                               0
[INVESTMENTS-MARKET]                                 0
[LOANS]                                        614,505
[ALLOWANCE]                                      5,313
[TOTAL-ASSETS]                               1,299,798
[DEPOSITS]                                     667,052
[SHORT-TERM]                                   120,939
[LIABILITIES-OTHER]                            439,499
[LONG-TERM]                                      3,764
[PREFERRED-MANDATORY]                                0
[PREFERRED]                                          0
[COMMON]                                        43,549
[OTHER-SE]                                      24,995
[TOTAL-LIABILITIES-AND-EQUITY]               1,299,798
[INTEREST-LOAN]                                 34,945
[INTEREST-INVEST]                               28,821
[INTEREST-OTHER]                                    79
[INTEREST-TOTAL]                                63,845
[INTEREST-DEPOSIT]                              16,713
[INTEREST-EXPENSE]                              40,748
[INTEREST-INCOME-NET]                           23,097
[LOAN-LOSSES]                                      423
[SECURITIES-GAINS]                               (906)
[EXPENSE-OTHER]                                 28,763
[INCOME-PRETAX]                                  2,103
[INCOME-PRE-EXTRAORDINARY]                       2,103
[EXTRAORDINARY]                                      0
[CHANGES]                                            0
[NET-INCOME]                                     2,621
[EPS-BASIC]                                     0.20
[EPS-DILUTED]                                     0.20
[YIELD-ACTUAL]                                    7.33
[LOANS-NON]                                      3,601
[LOANS-PAST]                                        19
[LOANS-TROUBLED]                                     0
[LOANS-PROBLEM]                                      0
[ALLOWANCE-OPEN]                                10,350
[CHARGE-OFFS]                                      968
[RECOVERIES]                                       536
[ALLOWANCE-CLOSE]                                5,313
[ALLOWANCE-DOMESTIC]                             5,313
[ALLOWANCE-FOREIGN]                                  0
[ALLOWANCE-UNALLOCATED]                          1,989