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<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<EXCHANGE-RATE> 1
<CASH> 40,129
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 161
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 374,268
<INVESTMENTS-CARRYING> 19,358
<INVESTMENTS-MARKET> 19,182
<LOANS> 1,103,821
<ALLOWANCE> (9,908)
<TOTAL-ASSETS> 1,622,928
<DEPOSITS> 1,038,427
<SHORT-TERM> 0
<LIABILITIES-OTHER> 15,626
<LONG-TERM> 473,800
0
0
<COMMON> 80,798
<OTHER-SE> 14,277
<TOTAL-LIABILITIES-AND-EQUITY> 1,622,928
<INTEREST-LOAN> 37,582
<INTEREST-INVEST> 12,384
<INTEREST-OTHER> 8
<INTEREST-TOTAL> 49,974
<INTEREST-DEPOSIT> 17,730
<INTEREST-EXPENSE> 30,770
<INTEREST-INCOME-NET> 19,204
<LOAN-LOSSES> 900
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 15,247
<INCOME-PRETAX> 9,027
<INCOME-PRE-EXTRAORDINARY> 6,221
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 6,221
<EPS-BASIC> .82
<EPS-DILUTED> .82
<YIELD-ACTUAL> 8.22
<LOANS-NON> 3,931
<LOANS-PAST> 2,924
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 7,431
<CHARGE-OFFS> (488)
<RECOVERIES> 292
<ALLOWANCE-CLOSE> 9,908
<ALLOWANCE-DOMESTIC> 9,908
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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