<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> 38,526 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 944 <INVESTMENTS-HELD-FOR-SALE> 370,250 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 1,157,123 <ALLOWANCE> 11,378 <TOTAL-ASSETS> 1,632,913 <DEPOSITS> 1,105,449 <SHORT-TERM> 127,539 <LIABILITIES-OTHER> 8,548 <LONG-TERM> 276,009 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 36,974 <OTHER-SE> 78,394 <TOTAL-LIABILITIES-AND-EQUITY> 1,632,913 <INTEREST-LOAN> 44,876 <INTEREST-INVEST> 11,629 <INTEREST-OTHER> 109 <INTEREST-TOTAL> 56,614 <INTEREST-DEPOSIT> 22,191 <INTEREST-EXPENSE> 31,551 <INTEREST-INCOME-NET> 25,063 <LOAN-LOSSES> 1,383 <SECURITIES-GAINS> 305 <EXPENSE-OTHER> 20,728 <INCOME-PRETAX> 10,201 <INCOME-PRE-EXTRAORDINARY> 10,201 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 7,649 <EPS-BASIC> 0.74 <EPS-DILUTED> 0.74 <YIELD-ACTUAL> 3.56 <LOANS-NON> 2,987 <LOANS-PAST> 2,875 <LOANS-TROUBLED> 47 <LOANS-PROBLEM> 5,909 <ALLOWANCE-OPEN> 11,169 <CHARGE-OFFS> 1,592 <RECOVERIES> 418 <ALLOWANCE-CLOSE> 11,378 <ALLOWANCE-DOMESTIC> 11,378 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0