<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> 3,431
<INT-BEARING-DEPOSITS> 21,910
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 13,160
<INVESTMENTS-HELD-FOR-SALE> 326,772
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 186,910
<ALLOWANCE> 1,486
<TOTAL-ASSETS> 592,534
<DEPOSITS> 318,314
<SHORT-TERM> 0
<LIABILITIES-OTHER> 198,226
<LONG-TERM> 0
0
0
<COMMON> 900
<OTHER-SE> 75,094
<TOTAL-LIABILITIES-AND-EQUITY> 592,534
<INTEREST-LOAN> 7,024
<INTEREST-INVEST> 12,597
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 19,621
<INTEREST-DEPOSIT> 6,902
<INTEREST-EXPENSE> 11,875
<INTEREST-INCOME-NET> 7,746
<LOAN-LOSSES> 240
<SECURITIES-GAINS> 506
<EXPENSE-OTHER> 4,764
<INCOME-PRETAX> 3,695
<INCOME-PRE-EXTRAORDINARY> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,885
<EPS-BASIC> .41
<EPS-DILUTED> .41
<YIELD-ACTUAL> 2.81
<LOANS-NON> 211
<LOANS-PAST> 211
<LOANS-TROUBLED> 115
<LOANS-PROBLEM> 470
<ALLOWANCE-OPEN> 1,234
<CHARGE-OFFS> 13
<RECOVERIES> 25
<ALLOWANCE-CLOSE> 1,486
<ALLOWANCE-DOMESTIC> 1,486
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>