<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED
FROM THE COMPANYS BALANCE SHEET AS OF JUNE 30, 2000 AND STATEMENT OF
EARNINGS FOR THE SIX MONTHS ENDED JUNE 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 49,828
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 39,678
<INVESTMENTS-CARRYING> 14,338
<INVESTMENTS-MARKET> 14,063
<LOANS> 582,248
<ALLOWANCE> 230,580
<TOTAL-ASSETS> 737,239
<DEPOSITS> 495,612
<SHORT-TERM> 12,628
<LIABILITIES-OTHER> 146,826
<LONG-TERM> 0
0
0
<COMMON> 94,070
<OTHER-SE> (11,897)
<TOTAL-LIABILITIES-AND-EQUITY> 737,239
<INTEREST-LOAN> 23,332
<INTEREST-INVEST> 2,196
<INTEREST-OTHER> 1,855
<INTEREST-TOTAL> 27,383
<INTEREST-DEPOSIT> 11,827
<INTEREST-EXPENSE> 16,658
<INTEREST-INCOME-NET> 10,725
<LOAN-LOSSES> (3,096)
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 20,554
<INCOME-PRETAX> 4,248
<INCOME-PRE-EXTRAORDINARY> 4,248
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,343
<EPS-BASIC> 0.12
<EPS-DILUTED> 0.12
<YIELD-ACTUAL> 0
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 264,498
<CHARGE-OFFS> 29,963
<RECOVERIES> 245
<ALLOWANCE-CLOSE> 230,580
<ALLOWANCE-DOMESTIC> 230,580
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>