<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
JUNE 30, 2000 FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS
</LEGEND>
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 83,317,827
<INT-BEARING-DEPOSITS> 2,824,100
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 542,573,034
<INVESTMENTS-CARRYING> 21,254,162
<INVESTMENTS-MARKET> 21,421,000
<LOANS> 1,215,969,612
<ALLOWANCE> 15,393,504
<TOTAL-ASSETS> 1,984,418,440
<DEPOSITS> 1,568,154,450
<SHORT-TERM> 221,741,235
<LIABILITIES-OTHER> 22,718,363
<LONG-TERM> 34,888,000
0
0
<COMMON> 50,902,502
<OTHER-SE> 86,013,890
<TOTAL-LIABILITIES-AND-EQUITY> 1,984,418,440
<INTEREST-LOAN> 50,793,931
<INTEREST-INVEST> 16,440,866
<INTEREST-OTHER> 259,827
<INTEREST-TOTAL> 67,494,624
<INTEREST-DEPOSIT> 28,682,494
<INTEREST-EXPENSE> 35,506,881
<INTEREST-INCOME-NET> 31,987,743
<LOAN-LOSSES> 2,100,000
<SECURITIES-GAINS> 28,204
<EXPENSE-OTHER> 32,434,339
<INCOME-PRETAX> 12,767,548
<INCOME-PRE-EXTRAORDINARY> 12,767,548
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 9,273,250
<EPS-BASIC> .46
<EPS-DILUTED> .45
<YIELD-ACTUAL> 3.57
<LOANS-NON> 6,701,000
<LOANS-PAST> 1,200,000
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 14,413,104
<CHARGE-OFFS> 2,398,365
<RECOVERIES> 1,278,765
<ALLOWANCE-CLOSE> 15,393,504
<ALLOWANCE-DOMESTIC> 15,393,504
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>