<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 financial statements.)
</LEGEND>
<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>                                          32,008
<INT-BEARING-DEPOSITS>                           8,671
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     82,237
<INVESTMENTS-CARRYING>                          63,579
<INVESTMENTS-MARKET>                            61,649
<LOANS>                                      1,038,183
<ALLOWANCE>                                     10,884
<TOTAL-ASSETS>                               1,314,083
<DEPOSITS>                                     839,099
<SHORT-TERM>                                   192,000
<LIABILITIES-OTHER>                              9,603
<LONG-TERM>                                    184,605
                                0
                                          0
<COMMON>                                            66
<OTHER-SE>                                      88,749
<TOTAL-LIABILITIES-AND-EQUITY>               1,314,083
<INTEREST-LOAN>                                 19,760
<INTEREST-INVEST>                                2,916
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                22,682
<INTEREST-DEPOSIT>                               7,773
<INTEREST-EXPENSE>                              13,705
<INTEREST-INCOME-NET>                            8,977
<LOAN-LOSSES>                                      500
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  9,128
<INCOME-PRETAX>                                  3,805
<INCOME-PRE-EXTRAORDINARY>                       3,805
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,487
<EPS-BASIC>                                        .52
<EPS-DILUTED>                                      .52
<YIELD-ACTUAL>                                    3.01
<LOANS-NON>                                        654
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                   233
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                10,654
<CHARGE-OFFS>                                      302
<RECOVERIES>                                        32
<ALLOWANCE-CLOSE>                               10,884
<ALLOWANCE-DOMESTIC>                            10,884
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>



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