<ARTICLE> 9 <LEGEND> (Replace this text with the legend) </LEGEND> <CIK> 000790183 <NAME> Michael B. High <MULTIPLIER> 1000 <CURRENCY> U.S. Dollars <PERIOD-TYPE> 6-Mos <FISCAL-YEAR-END> Dec-31-2000 <PERIOD-START> Jan-01-2000 <PERIOD-END> Jun-30-2000 <EXCHANGE-RATE> 1 <CASH> 16,926 <INT-BEARING-DEPOSITS> 18,658 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 181,609 <INVESTMENTS-CARRYING> 35,103 <INVESTMENTS-MARKET> 33,440 <LOANS> 541,881 <ALLOWANCE> 6,527 <TOTAL-ASSETS> 839,309 <DEPOSITS> 570,333 <SHORT-TERM> 72,630 <LIABILITIES-OTHER> 16,590 <LONG-TERM> 118,500 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 5,692 <OTHER-SE> 41,103 <TOTAL-LIABILITIES-AND-EQUITY> 839,309 <INTEREST-LOAN> 24,451 <INTEREST-INVEST> 6,505 <INTEREST-OTHER> 586 <INTEREST-TOTAL> 31,542 <INTEREST-DEPOSIT> 10,841 <INTEREST-EXPENSE> 16,015 <INTEREST-INCOME-NET> 15,527 <LOAN-LOSSES> 2,233 <SECURITIES-GAINS> (110) <EXPENSE-OTHER> 18,336 <INCOME-PRETAX> 3,762 <INCOME-PRE-EXTRAORDINARY> 4,121 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,121 <EPS-BASIC> 0.74 <EPS-DILUTED> 0.72 <YIELD-ACTUAL> 4.26 <LOANS-NON> 9,719 <LOANS-PAST> 3,049 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 5,927 <CHARGE-OFFS> 2,075 <RECOVERIES> 442 <ALLOWANCE-CLOSE> 6,527 <ALLOWANCE-DOMESTIC> 6,527 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0