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<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<CASH> 44,862
<INT-BEARING-DEPOSITS> 150
<FED-FUNDS-SOLD> 470
<TRADING-ASSETS> 0
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<INVESTMENTS-CARRYING> 261,782
<INVESTMENTS-MARKET> 240,871
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<TOTAL-ASSETS> 1,544,874
<DEPOSITS> 1,143,804
<SHORT-TERM> 211,950
<LIABILITIES-OTHER> 15,908
<LONG-TERM> 85,000
0
0
<COMMON> 10,470
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<INTEREST-DEPOSIT> 21,982
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<SECURITIES-GAINS> (60)
<EXPENSE-OTHER> 25,816
<INCOME-PRETAX> (3,315)
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<NET-INCOME> (450)
<EPS-BASIC> (0.04)
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<LOANS-PROBLEM> 7,091
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<ALLOWANCE-CLOSE> 7,611
<ALLOWANCE-DOMESTIC> 7,611
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 164
</TABLE>
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