[ARTICLE] 9
<TABLE>
<S> <C>
[PERIOD-TYPE] 6-MOS
[FISCAL-YEAR-END] DEC-31-2000
[PERIOD-END] JUN-30-2000
[CASH] 17,656
[INT-BEARING-DEPOSITS] 0
[FED-FUNDS-SOLD] 0
[TRADING-ASSETS] 0
[INVESTMENTS-HELD-FOR-SALE] 453,476
[INVESTMENTS-CARRYING] 0
[INVESTMENTS-MARKET] 0
[LOANS] 477,024
[ALLOWANCE] 5,064
[TOTAL-ASSETS] 987,689
[DEPOSITS] 610,191
[SHORT-TERM] 24,650
[LIABILITIES-OTHER] 305,165
[LONG-TERM] 1,962
[PREFERRED-MANDATORY] 0
[PREFERRED] 0
[COMMON] 67
[OTHER-SE] 45,654
[TOTAL-LIABILITIES-AND-EQUITY] 987,689
[INTEREST-LOAN] 19,479
[INTEREST-INVEST] 15,997
[INTEREST-OTHER] 9
[INTEREST-TOTAL] 35,485
[INTEREST-DEPOSIT] 10,642
[INTEREST-EXPENSE] 21,700
[INTEREST-INCOME-NET] 13,785
[LOAN-LOSSES] 300
[SECURITIES-GAINS] (501)
[EXPENSE-OTHER] 12,554
[INCOME-PRETAX] 2,734
[INCOME-PRE-EXTRAORDINARY] 2,734
[EXTRAORDINARY] 0
[CHANGES] 0
[NET-INCOME] 2,443
[EPS-BASIC] 0.37
[EPS-DILUTED] 0.37
[YIELD-ACTUAL] 7.25
[LOANS-NON] 1,825
[LOANS-PAST] 805
[LOANS-TROUBLED] 0
[LOANS-PROBLEM] 0
[ALLOWANCE-OPEN] 5,021
[CHARGE-OFFS] 382
[RECOVERIES] 125
[ALLOWANCE-CLOSE] 5,064
[ALLOWANCE-DOMESTIC] 5,064
[ALLOWANCE-FOREIGN] 0
[ALLOWANCE-UNALLOCATED] 2,205
</TABLE>
