<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CURRENT
REPORT ON FORM 10Q FOR THE SIX MONTHS ENDED JUNE 30, 2000 IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<CASH> 8,506
<INT-BEARING-DEPOSITS> 286
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 70,484
<INVESTMENTS-CARRYING> 70,484
<INVESTMENTS-MARKET> 70,484
<LOANS> 248,288
<ALLOWANCE> 2,259
<TOTAL-ASSETS> 349,755
<DEPOSITS> 242,761
<SHORT-TERM> 11,504
<LIABILITIES-OTHER> 3,970
<LONG-TERM> 58,775
0
0
<COMMON> 28,002
<OTHER-SE> 1,260
<TOTAL-LIABILITIES-AND-EQUITY> 349,755
<INTEREST-LOAN> 9,711
<INTEREST-INVEST> 2,184
<INTEREST-OTHER> 176
<INTEREST-TOTAL> 12,071
<INTEREST-DEPOSIT> 4,976
<INTEREST-EXPENSE> 6,899
<INTEREST-INCOME-NET> 5,172
<LOAN-LOSSES> 528
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 4,485
<INCOME-PRETAX> 1,912
<INCOME-PRE-EXTRAORDINARY> 1,912
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,166
<EPS-BASIC> .71
<EPS-DILUTED> .71
<YIELD-ACTUAL> 7.47
<LOANS-NON> 2,303
<LOANS-PAST> 126
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,979
<CHARGE-OFFS> 258
<RECOVERIES> 10
<ALLOWANCE-CLOSE> 2,259
<ALLOWANCE-DOMESTIC> 2,259
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>