<ARTICLE> 9

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                          13,747
<INT-BEARING-DEPOSITS>                              13
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    767,997
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      1,091,458
<ALLOWANCE>                                      9,787
<TOTAL-ASSETS>                               1,907,931
<DEPOSITS>                                   1,148,380
<SHORT-TERM>                                    36,100
<LIABILITIES-OTHER>                             10,504
<LONG-TERM>                                    152,944
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           289
<OTHER-SE>                                     543,813
<TOTAL-LIABILITIES-AND-EQUITY>               1,907,931
<INTEREST-LOAN>                                 38,601
<INTEREST-INVEST>                               24,013
<INTEREST-OTHER>                                   208
<INTEREST-TOTAL>                                62,822
<INTEREST-DEPOSIT>                              23,158
<INTEREST-EXPENSE>                              28,886
<INTEREST-INCOME-NET>                           33,936
<LOAN-LOSSES>                                    1,120
<SECURITIES-GAINS>                               2,986
<EXPENSE-OTHER>                                 14,360
<INCOME-PRETAX>                                 24,349
<INCOME-PRE-EXTRAORDINARY>                      15,962
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    15,962
<EPS-BASIC>                                       0.60
<EPS-DILUTED>                                     0.60
<YIELD-ACTUAL>                                    3.83
<LOANS-NON>                                      3,134
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 8,820
<CHARGE-OFFS>                                      168
<RECOVERIES>                                        15
<ALLOWANCE-CLOSE>                                9,787
<ALLOWANCE-DOMESTIC>                             9,787
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0