<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> JUN-30-2000 <CASH> 13,351 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 240 <INVESTMENTS-HELD-FOR-SALE> 53,427 <INVESTMENTS-CARRYING> 8,658 <INVESTMENTS-MARKET> 8,661 <LOANS> 709,091 <ALLOWANCE> 8,430 <TOTAL-ASSETS> 979,762 <DEPOSITS> 562,707 <SHORT-TERM> 84,000 <LIABILITIES-OTHER> 15,349 <LONG-TERM> 153,123 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 69 <OTHER-SE> 93,405 <TOTAL-LIABILITIES-AND-EQUITY> 979,762 <INTEREST-LOAN> 28,514 <INTEREST-INVEST> 2,474 <INTEREST-OTHER> 201 <INTEREST-TOTAL> 31,189 <INTEREST-DEPOSIT> 11,776 <INTEREST-EXPENSE> 19,867 <INTEREST-INCOME-NET> 11,322 <LOAN-LOSSES> 1,989 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 27,063 <INCOME-PRETAX> 7,231 <INCOME-PRE-EXTRAORDINARY> 7,231 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,658 <EPS-BASIC> .74 <EPS-DILUTED> .73 <YIELD-ACTUAL> 8.01 <LOANS-NON> 209 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 7,758 <CHARGE-OFFS> 1,566 <RECOVERIES> 249 <ALLOWANCE-CLOSE> 8,430 <ALLOWANCE-DOMESTIC> 8,430 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0