<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 31,974
<INT-BEARING-DEPOSITS> 705
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 202,754
<INVESTMENTS-CARRYING> 77,208
<INVESTMENTS-MARKET> 78,186
<LOANS> 741,581
<ALLOWANCE> 11,828
<TOTAL-ASSETS> 1,114,953
<DEPOSITS> 832,626
<SHORT-TERM> 154,270
<LIABILITIES-OTHER> 11,698
<LONG-TERM> 10,207
0
0
<COMMON> 8,992
<OTHER-SE> 97,160
<TOTAL-LIABILITIES-AND-EQUITY> 1,114,953
<INTEREST-LOAN> 32,674
<INTEREST-INVEST> 8,613
<INTEREST-OTHER> 157
<INTEREST-TOTAL> 41,444
<INTEREST-DEPOSIT> 14,503
<INTEREST-EXPENSE> 18,267
<INTEREST-INCOME-NET> 23,177
<LOAN-LOSSES> 1,880
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 15,655
<INCOME-PRETAX> 11,682
<INCOME-PRE-EXTRAORDINARY> 11,682
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 8,007
<EPS-BASIC> .92
<EPS-DILUTED> .92
<YIELD-ACTUAL> 4.99
<LOANS-NON> 5,359
<LOANS-PAST> 1,323
<LOANS-TROUBLED> 460
<LOANS-PROBLEM> 9,145
<ALLOWANCE-OPEN> 11,900
<CHARGE-OFFS> 2,401
<RECOVERIES> 449
<ALLOWANCE-CLOSE> 11,828
<ALLOWANCE-DOMESTIC> 11,828
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 2,308
</TABLE>