<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FORM 10-Q
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FORM 10-Q.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 54,405,783
<INT-BEARING-DEPOSITS> 5,169,062
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 227,964,017
<INVESTMENTS-CARRYING> 89,548,462
<INVESTMENTS-MARKET> 86,976,511
<LOANS> 1,757,476,803
<ALLOWANCE> (7,663,526)
<TOTAL-ASSETS> 2,246,060,864
<DEPOSITS> 1,620,707,025
<SHORT-TERM> 162,475,000
<LIABILITIES-OTHER> 21,340,379
<LONG-TERM> 308,457,767
0
0
<COMMON> 36,534,227
<OTHER-SE> 96,546,466
<TOTAL-LIABILITIES-AND-EQUITY> 2,246,060,864
<INTEREST-LOAN> 33,134,873
<INTEREST-INVEST> 6,104,051
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 39,230,924
<INTEREST-DEPOSIT> 17,313,220
<INTEREST-EXPENSE> 24,239,656
<INTEREST-INCOME-NET> 14,999,268
<LOAN-LOSSES> 111,775
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 14,564,691
<INCOME-PRETAX> 8,789,542
<INCOME-PRE-EXTRAORDINARY> 5,665,369
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 5,665,369
<EPS-BASIC> 0.31
<EPS-DILUTED> 0.30
<YIELD-ACTUAL> 7.63
<LOANS-NON> 889,000
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 2,000,000
<ALLOWANCE-OPEN> 7,231,941
<CHARGE-OFFS> 264,246
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 7,663,529
<ALLOWANCE-DOMESTIC> 7,663,529
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>