<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM...
...AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<PERIOD-TYPE> 3-MOS 6-MOS
<FISCAL-YEAR-END> DEC-31-2000 DEC-31-1999
<PERIOD-START> JAN-01-2000 JAN-31-1999
<PERIOD-END> JUN-30-2000 JUN-30-1999
<CASH> 25,537 30,953
<INT-BEARING-DEPOSITS> 1,080 469
<FED-FUNDS-SOLD> 0 0
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 259,740 254,288
<INVESTMENTS-CARRYING> 0 10,573
<INVESTMENTS-MARKET> 0 10,701
<LOANS> 977,445 826,153
<ALLOWANCE> 12,638 14,453
<TOTAL-ASSETS> 1,405,585 1,213,706
<DEPOSITS> 978,911 938,853
<SHORT-TERM> 290,873 42,411
<LIABILITIES-OTHER> 19,914 20,950
<LONG-TERM> 32,503 136,802
<PREFERRED-MANDATORY> 0 0
<PREFERRED> 0 0
<COMMON> 71 71
<OTHER-SE> 83,313 74,619
<TOTAL-LIABILITIES-AND-EQUITY> 1,405,585 1,213,706
<INTEREST-LOAN> 20,599 16,140
<INTEREST-INVEST> 4,565 4,917
<INTEREST-OTHER> 19 19
<INTEREST-TOTAL> 25,183 21,401
<INTEREST-DEPOSIT> 9,166 8,264
<INTEREST-EXPENSE> 14,135 10,841
<INTEREST-INCOME-NET> 11,048 10,560
<LOAN-LOSSES> 840 288
<SECURITIES-GAINS> 0 7
<EXPENSE-OTHER> 8,958 8,792
<INCOME-PRETAX> 3,990 4,062
<INCOME-PRE-EXTRAORDINARY> 3,990 4,062
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 2,834 2,751
<EPS-BASIC> 0.40 0.39
<EPS-DILUTED> 0.40 0.39
<YIELD-ACTUAL> 8.23 7.38
<LOANS-NON> 10,316 10,585
<LOANS-PAST> 324 108
<LOANS-TROUBLED> 0 0
<LOANS-PROBLEM> 0 0
<ALLOWANCE-OPEN> 12,248 15,766
<CHARGE-OFFS> (564) (1,879)
<RECOVERIES> 114 278
<ALLOWANCE-CLOSE> 12,638 14,453
<ALLOWANCE-DOMESTIC> 0 0
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 0 0