<TABLE> <S> <C>

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<S>                                            <C>
<PERIOD-TYPE>                                  6-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-START>                                 JAN-01-2000
<PERIOD-END>                                   JUN-30-2000
<CASH>                                                2546
<INT-BEARING-DEPOSITS>                                6464
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                          16562
<INVESTMENTS-CARRYING>                               87571
<INVESTMENTS-MARKET>                                     0
<LOANS>                                             485833
<ALLOWANCE>                                           6491
<TOTAL-ASSETS>                                      611758
<DEPOSITS>                                          438975
<SHORT-TERM>                                         93462
<LIABILITIES-OTHER>                                   5484
<LONG-TERM>                                          31575
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                              4671
<OTHER-SE>                                           37592
<TOTAL-LIABILITIES-AND-EQUITY>                      611758
<INTEREST-LOAN>                                      20960
<INTEREST-INVEST>                                     3201
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<INTEREST-TOTAL>                                     24443
<INTEREST-DEPOSIT>                                   10525
<INTEREST-EXPENSE>                                   14310
<INTEREST-INCOME-NET>                                10133
<LOAN-LOSSES>                                          230
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                       5928
<INCOME-PRETAX>                                       4937
<INCOME-PRE-EXTRAORDINARY>                            3263
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                          3263
<EPS-BASIC>                                            0.7
<EPS-DILUTED>                                         0.69
<YIELD-ACTUAL>                                        3.48
<LOANS-NON>                                           2932
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                      6309
<CHARGE-OFFS>                                           48
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                     6491
<ALLOWANCE-DOMESTIC>                                     0
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                               6491


</TABLE>