<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM CONSOLIDATED
STATEMENT OF OPERATIONS
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                          58,927
<INT-BEARING-DEPOSITS>                           1,568
<FED-FUNDS-SOLD>                                61,727
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    104,402
<INVESTMENTS-CARRYING>                          65,475
<INVESTMENTS-MARKET>                            63,795
<LOANS>                                        738,888
<ALLOWANCE>                                      9,774
<TOTAL-ASSETS>                               1,157,317
<DEPOSITS>                                     991,824
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                             15,530
<LONG-TERM>                                     18,500
<PREFERRED-MANDATORY>                            3,500
<PREFERRED>                                          0
<COMMON>                                       132,847
<OTHER-SE>                                     (4,884)
<TOTAL-LIABILITIES-AND-EQUITY>               1,157,317
<INTEREST-LOAN>                                 30,406
<INTEREST-INVEST>                                4,790
<INTEREST-OTHER>                                 1,629
<INTEREST-TOTAL>                                36,825
<INTEREST-DEPOSIT>                              13,643
<INTEREST-EXPENSE>                              14,561
<INTEREST-INCOME-NET>                           22,264
<LOAN-LOSSES>                                      445
<SECURITIES-GAINS>                                 (7)
<EXPENSE-OTHER>                                 25,843
<INCOME-PRETAX>                                  (953)
<INCOME-PRE-EXTRAORDINARY>                       (953)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   (1,212)<F1>
<EPS-BASIC>                                     (0.05)
<EPS-DILUTED>                                   (0.05)
<YIELD-ACTUAL>                                    5.04
<LOANS-NON>                                      3,286
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 6,750
<CHARGE-OFFS>                                       12
<RECOVERIES>                                        40
<ALLOWANCE-CLOSE>                                9,774
<ALLOWANCE-DOMESTIC>                             9,774
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          4,815
<FN>
<F1>INCLUDES COST OF PREFERRED STOCK DIVIDEND OF $81 THOUSAND
</FN>