<ARTICLE> 9
<LEGEND>
This schedule contains financial information extracted from the third quarter
10Q and is qualified in its entirety by reference to such financial statements.
</LEGEND>

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                           71546
<INT-BEARING-DEPOSITS>                              77
<FED-FUNDS-SOLD>                                   167
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     280812
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         679632
<ALLOWANCE>                                       6964
<TOTAL-ASSETS>                                 1083320
<DEPOSITS>                                      768097
<SHORT-TERM>                                    219949
<LIABILITIES-OTHER>                               7827
<LONG-TERM>                                      30731
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                          1453
<OTHER-SE>                                       55263
<TOTAL-LIABILITIES-AND-EQUITY>                 1083320
<INTEREST-LOAN>                                  29613
<INTEREST-INVEST>                                 8822
<INTEREST-OTHER>                                   143
<INTEREST-TOTAL>                                 38578
<INTEREST-DEPOSIT>                               15094
<INTEREST-EXPENSE>                               21214
<INTEREST-INCOME-NET>                            17364
<LOAN-LOSSES>                                      615
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                   4801
<INCOME-PRETAX>                                   6831
<INCOME-PRE-EXTRAORDINARY>                        4703
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                      4703
<EPS-BASIC>                                        .81
<EPS-DILUTED>                                      .81
<YIELD-ACTUAL>                                    3.70
<LOANS-NON>                                        151
<LOANS-PAST>                                       229
<LOANS-TROUBLED>                                  1136
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                  6522
<CHARGE-OFFS>                                      244
<RECOVERIES>                                        71
<ALLOWANCE-CLOSE>                                 6964
<ALLOWANCE-DOMESTIC>                              6614
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            350