<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> 35,735 <INT-BEARING-DEPOSITS> 1,006 <FED-FUNDS-SOLD> 25,023 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 531,286 <INVESTMENTS-CARRYING> 111,094 <INVESTMENTS-MARKET> 107,499 <LOANS> 883,905 <ALLOWANCE> 9,184 <TOTAL-ASSETS> 1,691,562 <DEPOSITS> 1,207,785 <SHORT-TERM> 305,135 <LIABILITIES-OTHER> 3,739 <LONG-TERM> 64,010 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 9,571 <OTHER-SE> 101,322 <TOTAL-LIABILITIES-AND-EQUITY> 1,691,562 <INTEREST-LOAN> 36,219 <INTEREST-INVEST> 20,088 <INTEREST-OTHER> 566 <INTEREST-TOTAL> 56,873 <INTEREST-DEPOSIT> 18,756 <INTEREST-EXPENSE> 28,142 <INTEREST-INCOME-NET> 28,731 <LOAN-LOSSES> 1,290 <SECURITIES-GAINS> 47 <EXPENSE-OTHER> 23,286 <INCOME-PRETAX> 12,735 <INCOME-PRE-EXTRAORDINARY> 12,735 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 9,220 <EPS-BASIC> 0.96 <EPS-DILUTED> 0.96 <YIELD-ACTUAL> 4.17 <LOANS-NON> 662 <LOANS-PAST> 1,909 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 5,703 <ALLOWANCE-OPEN> 8,231 <CHARGE-OFFS> 358 <RECOVERIES> 21 <ALLOWANCE-CLOSE> 9,184 <ALLOWANCE-DOMESTIC> 2,156 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 7,028