<TABLE> <S> <C>

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<S>                             <C>
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<PERIOD-END>                               JUN-30-2000
<CASH>                                          11,537
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<INVESTMENTS-CARRYING>                          31,439
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<ALLOWANCE>                                      5,678
<TOTAL-ASSETS>                                 520,783
<DEPOSITS>                                     421,702
<SHORT-TERM>                                     9,916
<LIABILITIES-OTHER>                              3,080
<LONG-TERM>                                     36,185
                                0
                                          0
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<OTHER-SE>                                      29,415
<TOTAL-LIABILITIES-AND-EQUITY>                 520,783
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<INTEREST-EXPENSE>                               9,681
<INTEREST-INCOME-NET>                           10,697
<LOAN-LOSSES>                                      585
<SECURITIES-GAINS>                                (11)
<EXPENSE-OTHER>                                  7,324
<INCOME-PRETAX>                                  4,494
<INCOME-PRE-EXTRAORDINARY>                       4,494
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,326
<EPS-BASIC>                                       0.83
<EPS-DILUTED>                                     0.83
<YIELD-ACTUAL>                                    4.63
<LOANS-NON>                                      4,357
<LOANS-PAST>                                       588
<LOANS-TROUBLED>                                     0
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<ALLOWANCE-OPEN>                                 5,173
<CHARGE-OFFS>                                      185
<RECOVERIES>                                       105
<ALLOWANCE-CLOSE>                                5,678
<ALLOWANCE-DOMESTIC>                             4,940
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            738


</TABLE>



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