<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 2ND
QUARTER 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                           3,464
<INT-BEARING-DEPOSITS>                           7,803
<FED-FUNDS-SOLD>                                 2,427
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    590,799
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        484,356
<ALLOWANCE>                                      4,770
<TOTAL-ASSETS>                               1,161,313
<DEPOSITS>                                     500,408
<SHORT-TERM>                                   234,385
<LIABILITIES-OTHER>                              7,800
<LONG-TERM>                                    333,102
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            75
<OTHER-SE>                                      55,599
<TOTAL-LIABILITIES-AND-EQUITY>               1,161,313
<INTEREST-LOAN>                                 17,673
<INTEREST-INVEST>                               19,417
<INTEREST-OTHER>                                   821
<INTEREST-TOTAL>                                37,911
<INTEREST-DEPOSIT>                              10,266
<INTEREST-EXPENSE>                              28,215
<INTEREST-INCOME-NET>                            9,696
<LOAN-LOSSES>                                    (325)
<SECURITIES-GAINS>                                   4
<EXPENSE-OTHER>                                  6,961
<INCOME-PRETAX>                                  4,505
<INCOME-PRE-EXTRAORDINARY>                       4,505
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,553
<EPS-BASIC>                                       0.62
<EPS-DILUTED>                                     0.61
<YIELD-ACTUAL>                                    7.34
<LOANS-NON>                                      2,321
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,823
<CHARGE-OFFS>                                       41
<RECOVERIES>                                        17
<ALLOWANCE-CLOSE>                                4,770
<ALLOWANCE-DOMESTIC>                             4,770
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0