<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<CASH> 74,836
<INT-BEARING-DEPOSITS> 1,101,375
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 848,659
<INVESTMENTS-CARRYING> 848,659
<INVESTMENTS-MARKET> 848,659
<LOANS> 988,289
<ALLOWANCE> 9,854
<TOTAL-ASSETS> 2,029,134
<DEPOSITS> 1,358,751
<SHORT-TERM> 483,861
<LIABILITIES-OTHER> 7,344
<LONG-TERM> 24,066
57,327
0
<COMMON> 10,087
<OTHER-SE> 87,698
<TOTAL-LIABILITIES-AND-EQUITY> 2,029,134
<INTEREST-LOAN> 43,224
<INTEREST-INVEST> 30,205
<INTEREST-OTHER> 60
<INTEREST-TOTAL> 73,489
<INTEREST-DEPOSIT> 24,024
<INTEREST-EXPENSE> 42,703
<INTEREST-INCOME-NET> 30,786
<LOAN-LOSSES> 1,370
<SECURITIES-GAINS> (2)
<EXPENSE-OTHER> 28,121
<INCOME-PRETAX> 5,420
<INCOME-PRE-EXTRAORDINARY> 5,420
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 3,887
<EPS-BASIC> .40
<EPS-DILUTED> .40
<YIELD-ACTUAL> 3.35
<LOANS-NON> 3,187
<LOANS-PAST> 1,505
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 8,722
<CHARGE-OFFS> 255
<RECOVERIES> 17
<ALLOWANCE-CLOSE> 9,854
<ALLOWANCE-DOMESTIC> 9,854
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>