<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> Dec-31-2000 <PERIOD-START> Jan-01-2000 <PERIOD-END> Jun-30-2000 <CASH> 30,988 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 188,806 <INVESTMENTS-CARRYING> 27,815 <INVESTMENTS-MARKET> 27,661 <LOANS> 827,437 <ALLOWANCE> 7,103 <TOTAL-ASSETS> 1,104,880 <DEPOSITS> 939,028 <SHORT-TERM> 31,218 <LIABILITIES-OTHER> 5,443 <LONG-TERM> 49,970 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 518 <OTHER-SE> 78,703 <TOTAL-LIABILITIES-AND-EQUITY> 1,104,880 <INTEREST-LOAN> 31,782 <INTEREST-INVEST> 6,844 <INTEREST-OTHER> 323 <INTEREST-TOTAL> 38,949 <INTEREST-DEPOSIT> 15,456 <INTEREST-EXPENSE> 17,579 <INTEREST-INCOME-NET> 21,370 <LOAN-LOSSES> 300 <SECURITIES-GAINS> 2 <EXPENSE-OTHER> 17,747 <INCOME-PRETAX> 10,000 <INCOME-PRE-EXTRAORDINARY> 6,170 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6,170 <EPS-BASIC> 1.27 <EPS-DILUTED> 1.28 <YIELD-ACTUAL> 4.16 <LOANS-NON> 2,731 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,870 <CHARGE-OFFS> 295 <RECOVERIES> 228 <ALLOWANCE-CLOSE> 7,103 <ALLOWANCE-DOMESTIC> 7,103 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0