<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> JUN-30-2000 <CASH> 20,045 <INT-BEARING-DEPOSITS> 23 <FED-FUNDS-SOLD> 4,919 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 536,355 <INVESTMENTS-CARRYING> 14,447 <INVESTMENTS-MARKET> 0 <LOANS> 658,154 <ALLOWANCE> (6,816) <TOTAL-ASSETS> 1,279,788 <DEPOSITS> 971,118 <SHORT-TERM> 40,326 <LIABILITIES-OTHER> 5,790 <LONG-TERM> 172,117 <COMMON> 4,561 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <OTHER-SE> 85,876 <TOTAL-LIABILITIES-AND-EQUITY> 1,279,788 <INTEREST-LOAN> 24,354 <INTEREST-INVEST> 17,151 <INTEREST-OTHER> 190 <INTEREST-TOTAL> 41,695 <INTEREST-DEPOSIT> 17,308 <INTEREST-EXPENSE> 23,633 <INTEREST-INCOME-NET> 18,062 <LOAN-LOSSES> 75 <SECURITIES-GAINS> (74) <EXPENSE-OTHER> 9,858 <INCOME-PRETAX> 10,760 <INCOME-PRE-EXTRAORDINARY> 10,760 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6,837 <EPS-BASIC> .83 <EPS-DILUTED> .81 <YIELD-ACTUAL> 0 <LOANS-NON> 1,562 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,779 <CHARGE-OFFS> 50 <RECOVERIES> 12 <ALLOWANCE-CLOSE> 6,816 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0