<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED CONDENSED BALANCE SHEET AND THE CONSOLIDATED CONDENSED INCOME
STATEMENT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                                             
<PERIOD-TYPE>                                   6-MOS
<FISCAL-YEAR-END>                                       DEC-31-2000
<PERIOD-END>                                            JUN-30-2000
<CASH>                                                       38,494
<INT-BEARING-DEPOSITS>                                          100
<FED-FUNDS-SOLD>                                              1,800
<TRADING-ASSETS>                                                  0
<INVESTMENTS-HELD-FOR-SALE>                                 257,672
<INVESTMENTS-CARRYING>                                       15,374
<INVESTMENTS-MARKET>                                         15,192
<LOANS>                                                     768,280
<ALLOWANCE>                                                   8,320
<TOTAL-ASSETS>                                            1,168,704
<DEPOSITS>                                                  991,742
<SHORT-TERM>                                                 29,921
<LIABILITIES-OTHER>                                          37,798
<LONG-TERM>                                                   6,568
<PREFERRED-MANDATORY>                                             0
<PREFERRED>                                                       0
<COMMON>                                                      2,937
<OTHER-SE>                                                   67,350
<TOTAL-LIABILITIES-AND-EQUITY>                            1,168,704
<INTEREST-LOAN>                                              32,040
<INTEREST-INVEST>                                             8,781
<INTEREST-OTHER>                                                236
<INTEREST-TOTAL>                                             41,056
<INTEREST-DEPOSIT>                                           18,958
<INTEREST-EXPENSE>                                            2,581
<INTEREST-INCOME-NET>                                        19,517
<LOAN-LOSSES>                                                   748
<SECURITIES-GAINS>                                             (36)
<EXPENSE-OTHER>                                              16,238
<INCOME-PRETAX>                                               6,606
<INCOME-PRE-EXTRAORDINARY>                                    6,606
<EXTRAORDINARY>                                                   0
<CHANGES>                                                         0
<NET-INCOME>                                                  4,796
<EPS-BASIC>                                                     .82
<EPS-DILUTED>                                                   .82
<YIELD-ACTUAL>                                                 3.92
<LOANS-NON>                                                   1,787
<LOANS-PAST>                                                  1,036
<LOANS-TROUBLED>                                                  0
<LOANS-PROBLEM>                                                   0
<ALLOWANCE-OPEN>                                              7,718
<CHARGE-OFFS>                                                   465
<RECOVERIES>                                                    319
<ALLOWANCE-CLOSE>                                             8,320
<ALLOWANCE-DOMESTIC>                                          8,320
<ALLOWANCE-FOREIGN>                                               0
<ALLOWANCE-UNALLOCATED>                                           0