<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
     TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000

                                      
<PERIOD-TYPE>                                 6-MOS
<FISCAL-YEAR-END>                       DEC-31-2000
<PERIOD-END>                            JUN-30-2000
<CASH>                                        3,431
<INT-BEARING-DEPOSITS>                       21,910
<FED-FUNDS-SOLD>                                  0
<TRADING-ASSETS>                             13,160
<INVESTMENTS-HELD-FOR-SALE>                 326,772
<INVESTMENTS-CARRYING>                            0
<INVESTMENTS-MARKET>                              0
<LOANS>                                     186,910
<ALLOWANCE>                                   1,486
<TOTAL-ASSETS>                              592,534
<DEPOSITS>                                  318,314
<SHORT-TERM>                                      0
<LIABILITIES-OTHER>                         198,226
<LONG-TERM>                                       0
<PREFERRED-MANDATORY>                             0
<PREFERRED>                                       0
<COMMON>                                        900
<OTHER-SE>                                   75,094
<TOTAL-LIABILITIES-AND-EQUITY>              592,534
<INTEREST-LOAN>                               7,024
<INTEREST-INVEST>                            12,597
<INTEREST-OTHER>                                  0
<INTEREST-TOTAL>                             19,621
<INTEREST-DEPOSIT>                            6,902
<INTEREST-EXPENSE>                           11,875
<INTEREST-INCOME-NET>                         7,746
<LOAN-LOSSES>                                   240
<SECURITIES-GAINS>                              506
<EXPENSE-OTHER>                               4,764
<INCOME-PRETAX>                               3,695
<INCOME-PRE-EXTRAORDINARY>                        0
<EXTRAORDINARY>                                   0
<CHANGES>                                         0
<NET-INCOME>                                  2,885
<EPS-BASIC>                                     .41
<EPS-DILUTED>                                   .41
<YIELD-ACTUAL>                                 2.81
<LOANS-NON>                                     211
<LOANS-PAST>                                    211
<LOANS-TROUBLED>                                115
<LOANS-PROBLEM>                                 470
<ALLOWANCE-OPEN>                              1,234
<CHARGE-OFFS>                                    13
<RECOVERIES>                                     25
<ALLOWANCE-CLOSE>                             1,486
<ALLOWANCE-DOMESTIC>                          1,486
<ALLOWANCE-FOREIGN>                               0
<ALLOWANCE-UNALLOCATED>                           0