<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AS OF JUNE 30, 2000 AND THE CONSOLIDATED STATEMENT OF
OPERATIONS FOR THREE MONTHS ENDED JUNE 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                          48,321
<INT-BEARING-DEPOSITS>                          52,329
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    411,528
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                      1,275,808
<ALLOWANCE>                                      4,117
<TOTAL-ASSETS>                               1,886,617
<DEPOSITS>                                   1,396,914
<SHORT-TERM>                                    16,452
<LIABILITIES-OTHER>                             31,798
<LONG-TERM>                                    356,966
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           684
<OTHER-SE>                                      83,803
<TOTAL-LIABILITIES-AND-EQUITY>               1,886,617
<INTEREST-LOAN>                                 24,524
<INTEREST-INVEST>                                  886
<INTEREST-OTHER>                                 7,191
<INTEREST-TOTAL>                                32,601
<INTEREST-DEPOSIT>                              15,426
<INTEREST-EXPENSE>                               5,342
<INTEREST-INCOME-NET>                           11,833
<LOAN-LOSSES>                                      364
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 10,943
<INCOME-PRETAX>                                  2,872
<INCOME-PRE-EXTRAORDINARY>                       2,872
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,733
<EPS-BASIC>                                       0.27
<EPS-DILUTED>                                     0.27
<YIELD-ACTUAL>                                    2.76
<LOANS-NON>                                      2,222
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                    90
<LOANS-PROBLEM>                                  8,197
<ALLOWANCE-OPEN>                                 3,765
<CHARGE-OFFS>                                       12
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                4,117
<ALLOWANCE-DOMESTIC>                               566
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          3,551