<ARTICLE> 9
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                          55,807
<INT-BEARING-DEPOSITS>                           1,269
<FED-FUNDS-SOLD>                                 8,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    249,971
<INVESTMENTS-CARRYING>                         372,626
<INVESTMENTS-MARKET>                           362,464
<LOANS>                                      1,363,256
<ALLOWANCE>                                     20,907
<TOTAL-ASSETS>                               2,144,153
<DEPOSITS>                                   1,816,331
<SHORT-TERM>                                    72,734
<LIABILITIES-OTHER>                             31,311
<LONG-TERM>                                     30,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            91
<OTHER-SE>                                     193,686
<TOTAL-LIABILITIES-AND-EQUITY>               2,144,153
<INTEREST-LOAN>                                 59,114
<INTEREST-INVEST>                               18,175
<INTEREST-OTHER>                                   391
<INTEREST-TOTAL>                                77,680
<INTEREST-DEPOSIT>                              31,548
<INTEREST-EXPENSE>                              33,955
<INTEREST-INCOME-NET>                           43,725
<LOAN-LOSSES>                                    2,100
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 18,548
<INCOME-PRETAX>                                 28,621
<INCOME-PRE-EXTRAORDINARY>                      28,621
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    17,441
<EPS-BASIC>                                       1.93
<EPS-DILUTED>                                     1.93
<YIELD-ACTUAL>                                    4.71
<LOANS-NON>                                     11,814
<LOANS-PAST>                                     2,986
<LOANS-TROUBLED>                                 4,559
<LOANS-PROBLEM>                                 11,703
<ALLOWANCE-OPEN>                                19,502
<CHARGE-OFFS>                                      767
<RECOVERIES>                                        72
<ALLOWANCE-CLOSE>                               20,907
<ALLOWANCE-DOMESTIC>                            20,907
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0