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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-Q AND 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-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 21,245
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 97,377
<INVESTMENTS-CARRYING> 32,557
<INVESTMENTS-MARKET> 32,042
<LOANS> 313,781
<ALLOWANCE> 3,131
<TOTAL-ASSETS> 475,646
<DEPOSITS> 407,243
<SHORT-TERM> 22,400
<LIABILITIES-OTHER> 796
<LONG-TERM> 3,714
0
0
<COMMON> 3,779
<OTHER-SE> 37,714
<TOTAL-LIABILITIES-AND-EQUITY> 475,646
<INTEREST-LOAN> 12,734
<INTEREST-INVEST> 4,048
<INTEREST-OTHER> 85
<INTEREST-TOTAL> 16,867
<INTEREST-DEPOSIT> 8,170
<INTEREST-EXPENSE> 8,757
<INTEREST-INCOME-NET> 8,110
<LOAN-LOSSES> 502
<SECURITIES-GAINS> (23)
<EXPENSE-OTHER> 6,387
<INCOME-PRETAX> 3,313
<INCOME-PRE-EXTRAORDINARY> 2,282
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,282
<EPS-BASIC> .55
<EPS-DILUTED> .55
<YIELD-ACTUAL> 3.89
<LOANS-NON> 892
<LOANS-PAST> 232
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,793
<CHARGE-OFFS> 230
<RECOVERIES> 66
<ALLOWANCE-CLOSE> 3,131
<ALLOWANCE-DOMESTIC> 2,404
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 727
</TABLE>
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