<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Statement of Finanacial Condition at June 30, 2000 and the
Consolidated Statement of Operations for the six month ended June 30,2000
and is qualified in its entirety by reference to such financial
statements.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                          56,677
<INT-BEARING-DEPOSITS>                       2,049,436
<FED-FUNDS-SOLD>                                 4,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    931,342
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      1,824,983
<ALLOWANCE>                                     17,235
<TOTAL-ASSETS>                               2,930,616
<DEPOSITS>                                   2,153,957
<SHORT-TERM>                                   179,940
<LIABILITIES-OTHER>                             24,978
<LONG-TERM>                                    463,191
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           100
<OTHER-SE>                                     108,450
<TOTAL-LIABILITIES-AND-EQUITY>               2,930,616
<INTEREST-LOAN>                                 68,530
<INTEREST-INVEST>                               35,058
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                               103,588
<INTEREST-DEPOSIT>                              42,511
<INTEREST-EXPENSE>                              64,177
<INTEREST-INCOME-NET>                           39,411
<LOAN-LOSSES>                                    1,150
<SECURITIES-GAINS>                                 126
<EXPENSE-OTHER>                                 44,495
<INCOME-PRETAX>                                 11,086
<INCOME-PRE-EXTRAORDINARY>                      11,086
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     7,187
<EPS-BASIC>                                       0.81
<EPS-DILUTED>                                     0.77
<YIELD-ACTUAL>                                    7.29
<LOANS-NON>                                      6,376
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   576
<LOANS-PROBLEM>                                  2,872
<ALLOWANCE-OPEN>                                16,699
<CHARGE-OFFS>                                      869
<RECOVERIES>                                       255
<ALLOWANCE-CLOSE>                               17,235
<ALLOWANCE-DOMESTIC>                            17,235
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0