|
|
|
|
|
|
|
|
|
|
|
|
|
<TABLE> <S> <C>
<PAGE>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE BALANCE
SHEET AND INCOME STATEMENT AND FROM THE MANAGEMENT DISCUSSION AND ANALYSIS AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS AND
MANAGEMENT DISCUSSION.
</LEGEND>
<S> <C>
<MULTIPLIER> 1,000
<PERIOD-TYPE> 6-Mos
<FISCAL-YEAR-END> Dec-31-1999
<PERIOD-END> Jun-30-2000
<CASH> 14,775
<INT-BEARING-DEPOSITS> 100
<FED-FUNDS-SOLD> 2890
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 54,585
<INVESTMENTS-CARRYING> 4,643
<INVESTMENTS-MARKET> 4,588
<LOANS> 396,242
<ALLOWANCE> 4,220
<TOTAL-ASSETS> 486,626
<DEPOSITS> 352,414
<SHORT-TERM> 26,750
<LIABILITIES-OTHER> 4,541
<LONG-TERM> 54,528
0
0
<COMMON> 1,732
<OTHER-SE> 38,207
<TOTAL-LIABILITIES-AND-EQUITY> 486,626
<INTEREST-LOAN> 16,120
<INTEREST-INVEST> 1,833
<INTEREST-OTHER> 13
<INTEREST-TOTAL> 17,966
<INTEREST-DEPOSIT> 4,993
<INTEREST-EXPENSE> 7,560
<INTEREST-INCOME-NET> 10,406
<LOAN-LOSSES> 500
<SECURITIES-GAINS> 276
<EXPENSE-OTHER> 8,135
<INCOME-PRETAX> 2,989
<INCOME-PRE-EXTRAORDINARY> 2,989
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,016
<EPS-BASIC> 1.26
<EPS-DILUTED> 1.26
<YIELD-ACTUAL> 8.09
<LOANS-NON> 3,316
<LOANS-PAST> 0
<LOANS-TROUBLED> 1,131
<LOANS-PROBLEM> 207
<ALLOWANCE-OPEN> 4,887
<CHARGE-OFFS> 1,360
<RECOVERIES> 193
<ALLOWANCE-CLOSE> 4,220
<ALLOWANCE-DOMESTIC> 4,220
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
|
|