<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM UNAUDITED
CONSOLIDATED BALANCE SHEETS, CONSOLIDATED STATEMENTS OF OPERATIONS AND OTHER
INTERNALLY GENERATED REPORTS AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO
SUCH FINANCIAL STATEMENTS.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<CASH> 33,381
<INT-BEARING-DEPOSITS> 216
<FED-FUNDS-SOLD> 27,855
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 101,188
<INVESTMENTS-CARRYING> 2,382
<INVESTMENTS-MARKET> 2,346
<LOANS> 376,436
<ALLOWANCE> (6,115)
<TOTAL-ASSETS> 575,311
<DEPOSITS> 504,099
<SHORT-TERM> 0
<LIABILITIES-OTHER> 10,364
<LONG-TERM> 16,580
0
0
<COMMON> 41,316
<OTHER-SE> 2,952
<TOTAL-LIABILITIES-AND-EQUITY> 575,311
<INTEREST-LOAN> 14,460
<INTEREST-INVEST> 3,467
<INTEREST-OTHER> 721
<INTEREST-TOTAL> 18,681
<INTEREST-DEPOSIT> 6,950
<INTEREST-EXPENSE> 7,309
<INTEREST-INCOME-NET> 11,372
<LOAN-LOSSES> 1,250
<SECURITIES-GAINS> (74)
<EXPENSE-OTHER> 19,701
<INCOME-PRETAX> 3,912
<INCOME-PRE-EXTRAORDINARY> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,839
<EPS-BASIC> 0.51
<EPS-DILUTED> 0.47
<YIELD-ACTUAL> 8.78
<LOANS-NON> 2,618
<LOANS-PAST> 2,164
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 5,357
<CHARGE-OFFS> (498)
<RECOVERIES> 46
<ALLOWANCE-CLOSE> 6,155
<ALLOWANCE-DOMESTIC> 1,191
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 4,964
</TABLE>