<ARTICLE> 9 <MULTIPLIER> 1,000 <CURRENCY> U.S. DOLLARS <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> JUN-30-2000 <EXCHANGE-RATE> 1 <CASH> 32,151 <INT-BEARING-DEPOSITS> 3,863 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 275,425 <INVESTMENTS-CARRYING> 81,041 <INVESTMENTS-MARKET> 77,976 <LOANS> 938,780 <ALLOWANCE> 9,238 <TOTAL-ASSETS> 1,411,074 <DEPOSITS> 1,128,844 <SHORT-TERM> 94,975 <LIABILITIES-OTHER> 10,815 <LONG-TERM> 57,371 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 7,381 <OTHER-SE> 111,688 <TOTAL-LIABILITIES-AND-EQUITY> 1,411,074 <INTEREST-LOAN> 19,608 <INTEREST-INVEST> 6,159 <INTEREST-OTHER> 76 <INTEREST-TOTAL> 25,843 <INTEREST-DEPOSIT> 10,853 <INTEREST-EXPENSE> 12,883 <INTEREST-INCOME-NET> 12,960 <LOAN-LOSSES> 604 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 10,482 <INCOME-PRETAX> 4,978 <INCOME-PRE-EXTRAORDINARY> 3,120 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,120 <EPS-BASIC> .51 <EPS-DILUTED> .51 <YIELD-ACTUAL> 8.02 <LOANS-NON> 1,758 <LOANS-PAST> 1,619 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 8,951 <CHARGE-OFFS> 449 <RECOVERIES> 132 <ALLOWANCE-CLOSE> 9,238 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 9,238