<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> DEC-31-1999 <CASH> 11,190 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 408,928 <INVESTMENTS-MARKET> 383,882 <LOANS> 1,153,490 <ALLOWANCE> 3,604 <TOTAL-ASSETS> 1,636,097 <DEPOSITS> 1,039,873 <SHORT-TERM> 137,800 <LIABILITIES-OTHER> 21,858 <LONG-TERM> 326,514 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 60 <OTHER-SE> 109,992 <TOTAL-LIABILITIES-AND-EQUITY> 1,636,097 <INTEREST-LOAN> 20,073 <INTEREST-INVEST> 7,555 <INTEREST-OTHER> 14 <INTEREST-TOTAL> 27,642 <INTEREST-DEPOSIT> 11,479 <INTEREST-EXPENSE> 18,114 <INTEREST-INCOME-NET> 9,528 <LOAN-LOSSES> 210 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,929 <INCOME-PRETAX> 5,156 <INCOME-PRE-EXTRAORDINARY> 3,323 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,323 <EPS-BASIC> .40 <EPS-DILUTED> .38 <YIELD-ACTUAL> 7.05 <LOANS-NON> 3,287 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 981 <ALLOWANCE-OPEN> 3,363 <CHARGE-OFFS> 6 <RECOVERIES> 37 <ALLOWANCE-CLOSE> 3,604 <ALLOWANCE-DOMESTIC> 3,604 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0