<ARTICLE> 9

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-30-2000
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<ALLOWANCE>                                     25,706
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<DEPOSITS>                                   1,869,811
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<INTEREST-EXPENSE>                              42,791
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<ALLOWANCE-FOREIGN>                                  0
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