<TABLE> <S> <C>


<ARTICLE>                                            9

<S>                             <C>
<PERIOD-TYPE>                    6-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-END>                                   JUN-30-2000
<CASH>                                         10,125
<INT-BEARING-DEPOSITS>                         0
<FED-FUNDS-SOLD>                               0
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    79,815
<INVESTMENTS-CARRYING>                         0
<INVESTMENTS-MARKET>                           0
<LOANS>                                        279,036
<ALLOWANCE>                                    2,813
<TOTAL-ASSETS>                                 383,240
<DEPOSITS>                                     325,684
<SHORT-TERM>                                   5,142
<LIABILITIES-OTHER>                            12,339
<LONG-TERM>                                    18,619
                          0
                                    0
<COMMON>                                       3,292
<OTHER-SE>                                     18,164
<TOTAL-LIABILITIES-AND-EQUITY>                 383,240
<INTEREST-LOAN>                                11,885
<INTEREST-INVEST>                              2,515
<INTEREST-OTHER>                               0
<INTEREST-TOTAL>                               14,400
<INTEREST-DEPOSIT>                             7,173
<INTEREST-EXPENSE>                             8,174
<INTEREST-INCOME-NET>                          6,226
<LOAN-LOSSES>                                  676
<SECURITIES-GAINS>                             (96)
<EXPENSE-OTHER>                                4,562
<INCOME-PRETAX>                                2,096
<INCOME-PRE-EXTRAORDINARY>                     1,454
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   1,454
<EPS-BASIC>                                    0.55
<EPS-DILUTED>                                  0.55
<YIELD-ACTUAL>                                 3.47
<LOANS-NON>                                    1,049
<LOANS-PAST>                                   705
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               2,494
<CHARGE-OFFS>                                  433
<RECOVERIES>                                   76
<ALLOWANCE-CLOSE>                              2,813
<ALLOWANCE-DOMESTIC>                           2,813
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0


</TABLE>



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