<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> 28,583 <INT-BEARING-DEPOSITS> 175 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 226,535 <INVESTMENTS-CARRYING> 80,202 <INVESTMENTS-MARKET> 79,446 <LOANS> 836,862 <ALLOWANCE> 12,581 <TOTAL-ASSETS> 1,203,890 <DEPOSITS> 988,755 <SHORT-TERM> 65,857 <LIABILITIES-OTHER> 14,819 <LONG-TERM> 12,558 <COMMON> 113 <PREFERRED-MANDATORY> 17,763 <PREFERRED> 0 <OTHER-SE> 104,025 <TOTAL-LIABILITIES-AND-EQUITY> 1,203,890 <INTEREST-LOAN> 36,814 <INTEREST-INVEST> 8,468 <INTEREST-OTHER> 89 <INTEREST-TOTAL> 45,371 <INTEREST-DEPOSIT> 17,669 <INTEREST-EXPENSE> 19,482 <INTEREST-INCOME-NET> 25,889 <LOAN-LOSSES> 2,007 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 14,582 <INCOME-PRETAX> 13,672 <INCOME-PRE-EXTRAORDINARY> 8,743 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 8,743 <EPS-BASIC> 0.73 <EPS-DILUTED> 0.73 <YIELD-ACTUAL> 4.97 <LOANS-NON> 6,697 <LOANS-PAST> 1,230 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 11,421 <CHARGE-OFFS> 1,041 <RECOVERIES> 194 <ALLOWANCE-CLOSE> 12,581 <ALLOWANCE-DOMESTIC> 10,481 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,100