<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                   1,000

<S>                                   <C>                 <C>
<PERIOD-TYPE>                               3-MOS                6-MOS
<FISCAL-YEAR-END>                     DEC-31-2000         DEC-31-2000
<PERIOD-START>                        APR-01-2000         JAN-01-2000
<PERIOD-END>                          JUN-30-2000         JUN-30-2000
<CASH>                                     35,518              35,518
<INT-BEARING-DEPOSITS>                        643                 643
<FED-FUNDS-SOLD>                           29,500              29,500
<TRADING-ASSETS>                                0                   0
<INVESTMENTS-HELD-FOR-SALE>               424,132             424,132
<INVESTMENTS-CARRYING>                    197,610             197,610
<INVESTMENTS-MARKET>                      192,274             192,274
<LOANS>                                 1,035,128           1,035,128
<ALLOWANCE>                                11,458              11,458
<TOTAL-ASSETS>                          1,789,977           1,789,977
<DEPOSITS>                              1,395,137           1,395,137
<SHORT-TERM>                               92,000              92,000
<LIABILITIES-OTHER>                        15,236              15,236
<LONG-TERM>                               164,493             164,493
<PREFERRED-MANDATORY>                           0                   0
<PREFERRED>                                     0                   0
<COMMON>                                      174                 174
<OTHER-SE>                                102,803             102,803
<TOTAL-LIABILITIES-AND-EQUITY>          1,789,977           1,789,977
<INTEREST-LOAN>                            21,732              41,647
<INTEREST-INVEST>                          11,362              22,439
<INTEREST-OTHER>                              474                 819
<INTEREST-TOTAL>                           33,568              64,905
<INTEREST-DEPOSIT>                         13,646              24,725
<INTEREST-EXPENSE>                         18,451              34,901
<INTEREST-INCOME-NET>                      15,117              30,004
<LOAN-LOSSES>                                 500                 950
<SECURITIES-GAINS>                           (105)               (105)
<EXPENSE-OTHER>                             7,970              15,911
<INCOME-PRETAX>                             7,718              15,503
<INCOME-PRE-EXTRAORDINARY>                  7,718              15,503
<EXTRAORDINARY>                                 0                   0
<CHANGES>                                       0                   0
<NET-INCOME>                                5,003              10,093
<EPS-BASIC>                                  0.31                0.61
<EPS-DILUTED>                                0.29                0.59
<YIELD-ACTUAL>                               3.67                3.72
<LOANS-NON>                                 1,645               1,645
<LOANS-PAST>                                  142                 142
<LOANS-TROUBLED>                              157                 157
<LOANS-PROBLEM>                               291                 291
<ALLOWANCE-OPEN>                           11,097              10,687
<CHARGE-OFFS>                                 165                 231
<RECOVERIES>                                   26                  52
<ALLOWANCE-CLOSE>                          11,458              11,458
<ALLOWANCE-DOMESTIC>                            0                   0
<ALLOWANCE-FOREIGN>                             0                   0
<ALLOWANCE-UNALLOCATED>                         0                   0



</TABLE>