<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED
FROM THE COMPANY’S BALANCE SHEET AS OF JUNE 30, 2000 AND STATEMENT OF
EARNINGS FOR THE SIX MONTHS ENDED JUNE 30, 2000 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>                                         49,828
<INT-BEARING-DEPOSITS>                         0
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    39,678
<INVESTMENTS-CARRYING>                         14,338
<INVESTMENTS-MARKET>                           14,063
<LOANS>                                        582,248
<ALLOWANCE>                                    230,580
<TOTAL-ASSETS>                                 737,239
<DEPOSITS>                                     495,612
<SHORT-TERM>                                   12,628
<LIABILITIES-OTHER>                            146,826
<LONG-TERM>                                    0
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       94,070
<OTHER-SE>                                     (11,897)
<TOTAL-LIABILITIES-AND-EQUITY>                 737,239
<INTEREST-LOAN>                                23,332
<INTEREST-INVEST>                              2,196
<INTEREST-OTHER>                               1,855
<INTEREST-TOTAL>                               27,383
<INTEREST-DEPOSIT>                             11,827
<INTEREST-EXPENSE>                             16,658
<INTEREST-INCOME-NET>                          10,725
<LOAN-LOSSES>                                  (3,096)
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                20,554
<INCOME-PRETAX>                                4,248
<INCOME-PRE-EXTRAORDINARY>                     4,248
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   2,343
<EPS-BASIC>                                    0.12
<EPS-DILUTED>                                  0.12
<YIELD-ACTUAL>                                 0
<LOANS-NON>                                    0
<LOANS-PAST>                                   0
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               264,498
<CHARGE-OFFS>                                  29,963
<RECOVERIES>                                   245
<ALLOWANCE-CLOSE>                              230,580
<ALLOWANCE-DOMESTIC>                           230,580
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0




</TABLE>