<TABLE> <S> <C>


<ARTICLE>                                            9

<S>                             <C>
<PERIOD-TYPE>                  6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                           9,415
<INT-BEARING-DEPOSITS>                             703
<FED-FUNDS-SOLD>                                 7,166
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     94,648
<INVESTMENTS-CARRYING>                           6,675
<INVESTMENTS-MARKET>                             6,306
<LOANS>                                        214,233
<ALLOWANCE>                                      2,780
<TOTAL-ASSETS>                                 340,628
<DEPOSITS>                                     269,645
<SHORT-TERM>                                    40,301
<LIABILITIES-OTHER>                              5,598
<LONG-TERM>                                      1,500
                                0
                                          0
<COMMON>                                         1,025
<OTHER-SE>                                      12,559
<TOTAL-LIABILITIES-AND-EQUITY>                 330,628
<INTEREST-LOAN>                                  8,966
<INTEREST-INVEST>                                3,640
<INTEREST-OTHER>                                   216
<INTEREST-TOTAL>                                12,822
<INTEREST-DEPOSIT>                               5,702
<INTEREST-EXPENSE>                               7,134
<INTEREST-INCOME-NET>                            5,688
<LOAN-LOSSES>                                      275
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  4,220
<INCOME-PRETAX>                                  1,327
<INCOME-PRE-EXTRAORDINARY>                       1,327
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,007
<EPS-BASIC>                                       0.33
<EPS-DILUTED>                                     0.29
<YIELD-ACTUAL>                                    7.93
<LOANS-NON>                                          0
<LOANS-PAST>                                         1
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  2,189
<ALLOWANCE-OPEN>                                 2,511
<CHARGE-OFFS>                                        6
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                2,780
<ALLOWANCE-DOMESTIC>                             2,357
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            423



</TABLE>



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