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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Condensed Consolidated Statement of Financial Condition at June 30, 2000
(unaudited), and the Condensed Statement of Income for the six months ended June
30, 2000 (unaudited), and is qualified in its entirety by reference to such
financial statements. </LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<PERIOD-TYPE> 6-MOS
<CASH> 9,665
<INT-BEARING-DEPOSITS> 5,270
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 280,704
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 964,432
<ALLOWANCE> 6,720
<TOTAL-ASSETS> 1,309,113
<DEPOSITS> 682,745
<SHORT-TERM> 125,095
<LIABILITIES-OTHER> 12,809
<LONG-TERM> 368,274
0
0
<COMMON> 114
<OTHER-SE> 120,076
<TOTAL-LIABILITIES-AND-EQUITY> 1,309,113
<INTEREST-LOAN> 36,919
<INTEREST-INVEST> 10,190
<INTEREST-OTHER> 320
<INTEREST-TOTAL> 47,429
<INTEREST-DEPOSIT> 13,132
<INTEREST-EXPENSE> 27,086
<INTEREST-INCOME-NET> 20,343
<LOAN-LOSSES> 0
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 11,698
<INCOME-PRETAX> 10,686
<INCOME-PRE-EXTRAORDINARY> 10,686
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 6,625
<EPS-BASIC> 0.78
<EPS-DILUTED> 0.77
<YIELD-ACTUAL> 7.84
<LOANS-NON> 2,026
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 6,818
<CHARGE-OFFS> 98
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 6,720
<ALLOWANCE-DOMESTIC> 6,720
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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