<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> JUN-30-2000 <CASH> 69,986 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 10,865 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 591,304 <INVESTMENTS-CARRYING> 591,304 <INVESTMENTS-MARKET> 591,304 <LOANS> 1,265,245 <ALLOWANCE> 19,055 <TOTAL-ASSETS> 1,991,033 <DEPOSITS> 1,251,094 <SHORT-TERM> 122,379 <LIABILITIES-OTHER> 19,596 <LONG-TERM> 425,707 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 903 <OTHER-SE> 171,354 <TOTAL-LIABILITIES-AND-EQUITY> 1,991,033 <INTEREST-LOAN> 51,558 <INTEREST-INVEST> 19,681 <INTEREST-OTHER> 198 <INTEREST-TOTAL> 71,437 <INTEREST-DEPOSIT> 23,119 <INTEREST-EXPENSE> 37,626 <INTEREST-INCOME-NET> 33,811 <LOAN-LOSSES> 2,049 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 21,486 <INCOME-PRETAX> 16,417 <INCOME-PRE-EXTRAORDINARY> 16,417 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 11,496 <EPS-BASIC> 1.70 <EPS-DILUTED> 1.70 <YIELD-ACTUAL> 3.97 <LOANS-NON> 3,864 <LOANS-PAST> 4,311 <LOANS-TROUBLED> 239 <LOANS-PROBLEM> 2,395 <ALLOWANCE-OPEN> 17,949 <CHARGE-OFFS> 1,837 <RECOVERIES> 894 <ALLOWANCE-CLOSE> 19,055 <ALLOWANCE-DOMESTIC> 19,055 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0