<TABLE> <S> <C>
<ARTICLE> 9
<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> 14,893
<INT-BEARING-DEPOSITS> 2,982
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 11,006
<INVESTMENTS-CARRYING> 22,996
<INVESTMENTS-MARKET> 22,409
<LOANS> 930,345
<ALLOWANCE> 2,716
<TOTAL-ASSETS> 1,031,771
<DEPOSITS> 589,671
<SHORT-TERM> 357,410
<LIABILITIES-OTHER> 8,494
<LONG-TERM> 0
0
0
<COMMON> 7,058
<OTHER-SE> 69,138
<TOTAL-LIABILITIES-AND-EQUITY> 1,031,771
<INTEREST-LOAN> 34,601
<INTEREST-INVEST> 1,147
<INTEREST-OTHER> 875
<INTEREST-TOTAL> 36,623
<INTEREST-DEPOSIT> 13,204
<INTEREST-EXPENSE> 23,324
<INTEREST-INCOME-NET> 13,299
<LOAN-LOSSES> 292
<SECURITIES-GAINS> 5
<EXPENSE-OTHER> 10,024
<INCOME-PRETAX> 5,404
<INCOME-PRE-EXTRAORDINARY> 3,559
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 3,559
<EPS-BASIC> .52
<EPS-DILUTED> .51
<YIELD-ACTUAL> 2.84
<LOANS-NON> 2,869
<LOANS-PAST> 2,161
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,863
<CHARGE-OFFS> 45
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 2,716
<ALLOWANCE-DOMESTIC> 0
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 2,716
</TABLE>