<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>                                           $43,124,628
<INT-BEARING-DEPOSITS>                               674,949
<FED-FUNDS-SOLD>                                           0
<TRADING-ASSETS>                                           0
<INVESTMENTS-HELD-FOR-SALE>                      561,519,126
<INVESTMENTS-CARRYING>                           252,608,908
<INVESTMENTS-MARKET>                             250,097,178
<LOANS>                                          479,455,787
<ALLOWANCE>                                       10,281,864
<TOTAL-ASSETS>                                 1,369,675,503
<DEPOSITS>                                       927,086,592
<SHORT-TERM>                                     312,096,202
<LIABILITIES-OTHER>                               33,804,633
<LONG-TERM>                                                0
<PREFERRED-MANDATORY>                                      0
<PREFERRED>                                                0
<COMMON>                                              19,978
<OTHER-SE>                                        96,668,098
<TOTAL-LIABILITIES-AND-EQUITY>                 1,369,675,503
<INTEREST-LOAN>                                   21,136,065
<INTEREST-INVEST>                                 29,980,268
<INTEREST-OTHER>                                     576,320
<INTEREST-TOTAL>                                  51,692,653
<INTEREST-DEPOSIT>                                13,859,606
<INTEREST-EXPENSE>                                23,028,169
<INTEREST-INCOME-NET>                             28,664,484
<LOAN-LOSSES>                                      1,625,000
<SECURITIES-GAINS>                                         0
<EXPENSE-OTHER>                                   13,648,222
<INCOME-PRETAX>                                   16,992,586
<INCOME-PRE-EXTRAORDINARY>                                 0
<EXTRAORDINARY>                                            0
<CHANGES>                                                  0
<NET-INCOME>                                      11,007,202
<EPS-BASIC>                                             0.59
<EPS-DILUTED>                                           0.58
<YIELD-ACTUAL>                                          4.61
<LOANS-NON>                                          717,000
<LOANS-PAST>                                         470,000
<LOANS-TROUBLED>                                           0
<LOANS-PROBLEM>                                            0
<ALLOWANCE-OPEN>                                   9,108,000
<CHARGE-OFFS>                                        542,000
<RECOVERIES>                                          91,000
<ALLOWANCE-CLOSE>                                 10,282,000
<ALLOWANCE-DOMESTIC>                              10,282,000
<ALLOWANCE-FOREIGN>                                        0
<ALLOWANCE-UNALLOCATED>                                    0



</TABLE>