<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> JUN-30-2000 <CASH> 8,497 <INT-BEARING-DEPOSITS> 5,456 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 233,849 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 835,710 <ALLOWANCE> 12,250 <TOTAL-ASSETS> 1,141,397 <DEPOSITS> 791,843 <SHORT-TERM> 164,033 <LIABILITIES-OTHER> 11,377 <LONG-TERM> 122,996 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,256 <OTHER-SE> 50,162 <TOTAL-LIABILITIES-AND-EQUITY> 1,141,397 <INTEREST-LOAN> 39,703 <INTEREST-INVEST> 6,551 <INTEREST-OTHER> 257 <INTEREST-TOTAL> 46,511 <INTEREST-DEPOSIT> 21,665 <INTEREST-EXPENSE> 30,283 <INTEREST-INCOME-NET> 16,228 <LOAN-LOSSES> 2,410 <SECURITIES-GAINS> 71 <EXPENSE-OTHER> 28,204 <INCOME-PRETAX> 5,031 <INCOME-PRE-EXTRAORDINARY> 5,031 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,717 <EPS-BASIC> 3.76 <EPS-DILUTED> 3.76 <YIELD-ACTUAL> 9.35 <LOANS-NON> 7,192 <LOANS-PAST> 0 <LOANS-TROUBLED> 2,883 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 11,114 <CHARGE-OFFS> 2,170 <RECOVERIES> 896 <ALLOWANCE-CLOSE> 12,250 <ALLOWANCE-DOMESTIC> 12,250 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 12,250