<ARTICLE> 9
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                           5,759
<INT-BEARING-DEPOSITS>                       1,185,855
<FED-FUNDS-SOLD>                                24,400
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    474,578
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      1,142,001
<ALLOWANCE>                                     10,991
<TOTAL-ASSETS>                               1,800,863
<DEPOSITS>                                   1,223,326
<SHORT-TERM>                                    75,180
<LIABILITIES-OTHER>                             35,852
<LONG-TERM>                                    237,510
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           298
<OTHER-SE>                                     228,697
<TOTAL-LIABILITIES-AND-EQUITY>               1,800,863
<INTEREST-LOAN>                                 41,500
<INTEREST-INVEST>                               16,998
<INTEREST-OTHER>                                 1,297
<INTEREST-TOTAL>                                59,795
<INTEREST-DEPOSIT>                              23,225
<INTEREST-EXPENSE>                              32,486
<INTEREST-INCOME-NET>                           27,309
<LOAN-LOSSES>                                      971
<SECURITIES-GAINS>                                (17)
<EXPENSE-OTHER>                                 27,560
<INCOME-PRETAX>                                 14,587
<INCOME-PRE-EXTRAORDINARY>                      14,587
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     9,518
<EPS-BASIC>                                       0.38
<EPS-DILUTED>                                     0.38
<YIELD-ACTUAL>                                    7.29
<LOANS-NON>                                      1,987
<LOANS-PAST>                                     1,243
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  3,954
<ALLOWANCE-OPEN>                                 9,862
<CHARGE-OFFS>                                      304
<RECOVERIES>                                       162
<ALLOWANCE-CLOSE>                               10,991
<ALLOWANCE-DOMESTIC>                             8,425
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,567