<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> JUN-30-2000 <CASH> 41,780 <INT-BEARING-DEPOSITS> 1,096 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 192,788 <INVESTMENTS-CARRYING> 83,815 <INVESTMENTS-MARKET> 81,682 <LOANS> 826,842 <ALLOWANCE> 10,893 <TOTAL-ASSETS> 1,206,194 <DEPOSITS> 1,043,706 <SHORT-TERM> 10,680 <LIABILITIES-OTHER> 15,139 <LONG-TERM> 20,451 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 31,414 <OTHER-SE> 84,804 <TOTAL-LIABILITIES-AND-EQUITY> 1,206,194 <INTEREST-LOAN> 35,441 <INTEREST-INVEST> 8,012 <INTEREST-OTHER> 266 <INTEREST-TOTAL> 43,719 <INTEREST-DEPOSIT> 19,816 <INTEREST-EXPENSE> 20,843 <INTEREST-INCOME-NET> 22,876 <LOAN-LOSSES> 2,679 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 20,830 <INCOME-PRETAX> 8,272 <INCOME-PRE-EXTRAORDINARY> 8,272 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,984 <EPS-BASIC> .97 <EPS-DILUTED> .97 <YIELD-ACTUAL> 4.48 <LOANS-NON> 1,115 <LOANS-PAST> 6,426 <LOANS-TROUBLED> 127 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 10,058 <CHARGE-OFFS> 2,060 <RECOVERIES> 216 <ALLOWANCE-CLOSE> 10,893 <ALLOWANCE-DOMESTIC> 10,893 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 392