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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE UNAUDITED
CONSOLIDATED BALANCE SHEET AND THE UNAUDITED 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-END> JUN-30-2000
<CASH> 13,527
<INT-BEARING-DEPOSITS> 92
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 86,205
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 263,375
<ALLOWANCE> 2,491
<TOTAL-ASSETS> 390,072
<DEPOSITS> 338,896
<SHORT-TERM> 10,045
<LIABILITIES-OTHER> 2,990
<LONG-TERM> 10,553
0
0
<COMMON> 3,250
<OTHER-SE> 24,338
<TOTAL-LIABILITIES-AND-EQUITY> 390,072
<INTEREST-LOAN> 10,913
<INTEREST-INVEST> 2,756
<INTEREST-OTHER> 118
<INTEREST-TOTAL> 13,787
<INTEREST-DEPOSIT> 7,067
<INTEREST-EXPENSE> 7,553
<INTEREST-INCOME-NET> 6,234
<LOAN-LOSSES> 315
<SECURITIES-GAINS> (34)
<EXPENSE-OTHER> 6,043
<INCOME-PRETAX> 1,621
<INCOME-PRE-EXTRAORDINARY> 1,233
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,233
<EPS-BASIC> 0.39
<EPS-DILUTED> 0.39
<YIELD-ACTUAL> 3.57
<LOANS-NON> 1,115
<LOANS-PAST> 500
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,491
<CHARGE-OFFS> 405
<RECOVERIES> 90
<ALLOWANCE-CLOSE> 2,491
<ALLOWANCE-DOMESTIC> 2,491
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 713
</TABLE>
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