<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> 16,692 <INT-BEARING-DEPOSITS> 83,025 <FED-FUNDS-SOLD> 81,200 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 1,558,702 <ALLOWANCE> 27,089 <TOTAL-ASSETS> 1,677,956 <DEPOSITS> 1,167,047 <SHORT-TERM> 155,000 <LIABILITIES-OTHER> 13,681 <LONG-TERM> 244,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 55 <OTHER-SE> 98,173 <TOTAL-LIABILITIES-AND-EQUITY> 1,677,956 <INTEREST-LOAN> 67,598 <INTEREST-INVEST> 3,213 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 70,811 <INTEREST-DEPOSIT> 28,867 <INTEREST-EXPENSE> 40,559 <INTEREST-INCOME-NET> 30,252 <LOAN-LOSSES> 3,000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 18,983 <INCOME-PRETAX> 12,163 <INCOME-PRE-EXTRAORDINARY> 12,163 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6,976 <EPS-BASIC> 1.30 <EPS-DILUTED> 0.95 <YIELD-ACTUAL> 8.82 <LOANS-NON> 36,047 <LOANS-PAST> 0 <LOANS-TROUBLED> 24,905 <LOANS-PROBLEM> 32,284 <ALLOWANCE-OPEN> 24,285 <CHARGE-OFFS> 320 <RECOVERIES> 124 <ALLOWANCE-CLOSE> 27,089 <ALLOWANCE-DOMESTIC> 27,089 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0