<TABLE> <S> <C>

<ARTICLE>           9
<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>                                                        20,045
<INT-BEARING-DEPOSITS>                                            23
<FED-FUNDS-SOLD>                                               4,919
<TRADING-ASSETS>                                                   0
<INVESTMENTS-HELD-FOR-SALE>                                  536,355
<INVESTMENTS-CARRYING>                                        14,447
<INVESTMENTS-MARKET>                                               0
<LOANS>                                                      658,154
<ALLOWANCE>                                                   (6,816)
<TOTAL-ASSETS>                                             1,279,788
<DEPOSITS>                                                   971,118
<SHORT-TERM>                                                  40,326
<LIABILITIES-OTHER>                                            5,790
<LONG-TERM>                                                  172,117
<COMMON>                                                       4,561
<PREFERRED-MANDATORY>                                              0
<PREFERRED>                                                        0
<OTHER-SE>                                                    85,876
<TOTAL-LIABILITIES-AND-EQUITY>                             1,279,788
<INTEREST-LOAN>                                               24,354
<INTEREST-INVEST>                                             17,151
<INTEREST-OTHER>                                                 190
<INTEREST-TOTAL>                                              41,695
<INTEREST-DEPOSIT>                                            17,308
<INTEREST-EXPENSE>                                            23,633
<INTEREST-INCOME-NET>                                         18,062
<LOAN-LOSSES>                                                     75
<SECURITIES-GAINS>                                               (74)
<EXPENSE-OTHER>                                                9,858
<INCOME-PRETAX>                                               10,760
<INCOME-PRE-EXTRAORDINARY>                                    10,760
<EXTRAORDINARY>                                                    0
<CHANGES>                                                          0
<NET-INCOME>                                                   6,837
<EPS-BASIC>                                                      .83
<EPS-DILUTED>                                                    .81
<YIELD-ACTUAL>                                                     0
<LOANS-NON>                                                    1,562
<LOANS-PAST>                                                       0
<LOANS-TROUBLED>                                                   0
<LOANS-PROBLEM>                                                    0
<ALLOWANCE-OPEN>                                               6,779
<CHARGE-OFFS>                                                     50
<RECOVERIES>                                                      12
<ALLOWANCE-CLOSE>                                              6,816
<ALLOWANCE-DOMESTIC>                                               0
<ALLOWANCE-FOREIGN>                                                0
<ALLOWANCE-UNALLOCATED>                                            0


</TABLE>