<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AT JUNE 30, 2000 AND DECEMBER 31, 1999 AND THE
CONSOLIDATED STATEMENTS OF INCOME FOR THE THREE MONTHS AND SIX MONTHS ENDED JUNE
30, 2000 AND 1999.
</LEGEND>
<MULTIPLIER> 1000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                           3,039
<INT-BEARING-DEPOSITS>                           8,400
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    156,778
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        508,641
<ALLOWANCE>                                      3,361
<TOTAL-ASSETS>                                 716,209
<DEPOSITS>                                     401,630
<SHORT-TERM>                                    56,000
<LIABILITIES-OTHER>                              5,468
<LONG-TERM>                                    188,900
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            91
<OTHER-SE>                                      64,120
<TOTAL-LIABILITIES-AND-EQUITY>                 716,209
<INTEREST-LOAN>                                 19,396
<INTEREST-INVEST>                                5,804
<INTEREST-OTHER>                                   500
<INTEREST-TOTAL>                                25,700
<INTEREST-DEPOSIT>                               8,858
<INTEREST-EXPENSE>                              15,700
<INTEREST-INCOME-NET>                           10,000
<LOAN-LOSSES>                                       90
<SECURITIES-GAINS>                               9,910
<EXPENSE-OTHER>                                  5,974
<INCOME-PRETAX>                                  5,560
<INCOME-PRE-EXTRAORDINARY>                       3,410
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,410
<EPS-BASIC>                                        .87
<EPS-DILUTED>                                      .84
<YIELD-ACTUAL>                                    2.94
<LOANS-NON>                                        685
<LOANS-PAST>                                         5
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,273
<CHARGE-OFFS>                                      (2)
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                3,361
<ALLOWANCE-DOMESTIC>                             2,182
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,179


</TABLE>