<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> JUN-30-2000 <CASH> 18,269 <INT-BEARING-DEPOSITS> 1,703 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 185,647 <INVESTMENTS-CARRYING> 29,145 <INVESTMENTS-MARKET> 29,020 <LOANS> 723,315 <ALLOWANCE> 8,965 <TOTAL-ASSETS> 1,012,440 <DEPOSITS> 671,852 <SHORT-TERM> 69,163 <LIABILITIES-OTHER> 9,117 <LONG-TERM> 173,125 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 9,049 <OTHER-SE> 80,134 <TOTAL-LIABILITIES-AND-EQUITY> 1,012,440 <INTEREST-LOAN> 29,640 <INTEREST-INVEST> 7,418 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 37,058 <INTEREST-DEPOSIT> 14,663 <INTEREST-EXPENSE> 20,962 <INTEREST-INCOME-NET> 16,096 <LOAN-LOSSES> 665 <SECURITIES-GAINS> (9) <EXPENSE-OTHER> 12,870 <INCOME-PRETAX> 5,900 <INCOME-PRE-EXTRAORDINARY> 5,900 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,346 <EPS-BASIC> 0.48 <EPS-DILUTED> 0.48 <YIELD-ACTUAL> 3.44 <LOANS-NON> 6,830 <LOANS-PAST> 2,468 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 5,301 <ALLOWANCE-OPEN> 8,868 <CHARGE-OFFS> 765 <RECOVERIES> 197 <ALLOWANCE-CLOSE> 8,965 <ALLOWANCE-DOMESTIC> 8,965 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,709