<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
These  schedules  contain  summary  financial  information  extracted  from  the
consolidated balance sheets, the consolidated  statements of income, and Company
records,  and are  qualified in their  entirety by  reference to such  financial
statements. All dollar amounts are in thousands, except per share data.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                               DEC-31-2000
<PERIOD-END>                                    JUN-30-2000
<CASH>                                               27,347
<INT-BEARING-DEPOSITS>                                5,575
<FED-FUNDS-SOLD>                                          0
<TRADING-ASSETS>                                          0
<INVESTMENTS-HELD-FOR-SALE>                         152,074
<INVESTMENTS-CARRYING>                                    0
<INVESTMENTS-MARKET>                                      0
<LOANS>                                             596,211
<ALLOWANCE>                                           7,638
<TOTAL-ASSETS>                                      848,807
<DEPOSITS>                                          658,695
<SHORT-TERM>                                         24,074
<LIABILITIES-OTHER>                                   8,184
<LONG-TERM>                                               0
<PREFERRED-MANDATORY>                                     0
<PREFERRED>                                             905
<COMMON>                                             27,620
<OTHER-SE>                                           59,408
<TOTAL-LIABILITIES-AND-EQUITY>                      848,807
<INTEREST-LOAN>                                      27,567
<INTEREST-INVEST>                                     4,366
<INTEREST-OTHER>                                        247
<INTEREST-TOTAL>                                     32,180
<INTEREST-DEPOSIT>                                   12,641
<INTEREST-EXPENSE>                                   14,979
<INTEREST-INCOME-NET>                                17,201
<LOAN-LOSSES>                                         1,145
<SECURITIES-GAINS>                                        6
<EXPENSE-OTHER>                                       2,218
<INCOME-PRETAX>                                       6,599
<INCOME-PRE-EXTRAORDINARY>                            6,599
<EXTRAORDINARY>                                           0
<CHANGES>                                                 0
<NET-INCOME>                                          4,497
<EPS-BASIC>                                            0.40
<EPS-DILUTED>                                          0.38
<YIELD-ACTUAL>                                         8.60
<LOANS-NON>                                           4,014
<LOANS-PAST>                                          1,483
<LOANS-TROUBLED>                                        289
<LOANS-PROBLEM>                                           0
<ALLOWANCE-OPEN>                                      7,400
<CHARGE-OFFS>                                         1,015
<RECOVERIES>                                            108
<ALLOWANCE-CLOSE>                                     7,638
<ALLOWANCE-DOMESTIC>                                  7,638
<ALLOWANCE-FOREIGN>                                       0
<ALLOWANCE-UNALLOCATED>                               1,522



</TABLE>