<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<CASH> 6,858
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 82,726
<INVESTMENTS-CARRYING> 7,480
<INVESTMENTS-MARKET> 7,549
<LOANS> 211,551
<ALLOWANCE> 3,381
<TOTAL-ASSETS> 320,525
<DEPOSITS> 241,854
<SHORT-TERM> 17,601
<LIABILITIES-OTHER> 5,163
<LONG-TERM> 28,000
0
0
<COMMON> 180
<OTHER-SE> 27,727
<TOTAL-LIABILITIES-AND-EQUITY> 320,525
<INTEREST-LOAN> 8,807
<INTEREST-INVEST> 2,854
<INTEREST-OTHER> 11
<INTEREST-TOTAL> 11,672
<INTEREST-DEPOSIT> 4,109
<INTEREST-EXPENSE> 5,253
<INTEREST-INCOME-NET> 6,419
<LOAN-LOSSES> 215
<SECURITIES-GAINS> 1
<EXPENSE-OTHER> 4,889
<INCOME-PRETAX> 2,503
<INCOME-PRE-EXTRAORDINARY> 2,503
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,812
<EPS-BASIC> 1.09
<EPS-DILUTED> 1.09
<YIELD-ACTUAL> 4.44
<LOANS-NON> 551
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 3,344
<CHARGE-OFFS> 337
<RECOVERIES> 159
<ALLOWANCE-CLOSE> 3,381
<ALLOWANCE-DOMESTIC> 3,381
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 1,028
</TABLE>