<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 28,511,272
<INT-BEARING-DEPOSITS> 18,418,722
<FED-FUNDS-SOLD> 10,000,000
<TRADING-ASSETS> 13,722,890
<INVESTMENTS-HELD-FOR-SALE> 1,068,355,220
<INVESTMENTS-CARRYING> 26,783,636
<INVESTMENTS-MARKET> 26,676,373
<LOANS> 1,827,732,330
<ALLOWANCE> 10,431,358
<TOTAL-ASSETS> 3,270,878,556
<DEPOSITS> 1,523,602,232
<SHORT-TERM> 1,417,059,939
<LIABILITIES-OTHER> 47,339,946
<LONG-TERM> 0
0
75,000,000
<COMMON> 41,053,406
<OTHER-SE> 166,823,033
<TOTAL-LIABILITIES-AND-EQUITY> 3,270,878,556
<INTEREST-LOAN> 76,778,438
<INTEREST-INVEST> 22,945,537
<INTEREST-OTHER> 11,270,178
<INTEREST-TOTAL> 110,994,153
<INTEREST-DEPOSIT> 36,057,346
<INTEREST-EXPENSE> 77,501,319
<INTEREST-INCOME-NET> 33,492,834
<LOAN-LOSSES> 2,850,000
<SECURITIES-GAINS> 154,765
<EXPENSE-OTHER> 39,902,366
<INCOME-PRETAX> 25,968,635
<INCOME-PRE-EXTRAORDINARY> 25,968,635
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 20,194,839
<EPS-BASIC> 0.60
<EPS-DILUTED> 0.59
<YIELD-ACTUAL> 7.81
<LOANS-NON> 70,743,741
<LOANS-PAST> 523,997
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 77,064,704
<ALLOWANCE-OPEN> 8,970,605
<CHARGE-OFFS> 1,813,686
<RECOVERIES> 424,440
<ALLOWANCE-CLOSE> 10,431,358
<ALLOWANCE-DOMESTIC> 10,431,358
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>