<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> JUN-30-2000 <CASH> 57369 <INT-BEARING-DEPOSITS> 3430 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 80644 <INVESTMENTS-CARRYING> 7094 <INVESTMENTS-MARKET> 0 <LOANS> 1170531 <ALLOWANCE> 12072 <TOTAL-ASSETS> 1381515 <DEPOSITS> 1178982 <SHORT-TERM> 79000 <LIABILITIES-OTHER> 10654 <LONG-TERM> 6500 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 91331 <OTHER-SE> 15048 <TOTAL-LIABILITIES-AND-EQUITY> 1381515 <INTEREST-LOAN> 48859 <INTEREST-INVEST> 2910 <INTEREST-OTHER> 54 <INTEREST-TOTAL> 51823 <INTEREST-DEPOSIT> 21296 <INTEREST-EXPENSE> 23520 <INTEREST-INCOME-NET> 28303 <LOAN-LOSSES> 1800 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 22107 <INCOME-PRETAX> 9896 <INCOME-PRE-EXTRAORDINARY> 9896 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 6487 <EPS-BASIC> .56 <EPS-DILUTED> .54 <YIELD-ACTUAL> 4.71 <LOANS-NON> 6697 <LOANS-PAST> 0 <LOANS-TROUBLED> 21 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 9967 <CHARGE-OFFS> 401 <RECOVERIES> 706 <ALLOWANCE-CLOSE> 12072 <ALLOWANCE-DOMESTIC> 12072 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0