<TABLE> <S> <C>

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<S>                             <C>
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<PERIOD-END>                               JUN-30-2000
<CASH>                                           7,249
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<INVESTMENTS-CARRYING>                          34,922
<INVESTMENTS-MARKET>                            34,170
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<ALLOWANCE>                                      2,021
<TOTAL-ASSETS>                                 248,558
<DEPOSITS>                                     207,321
<SHORT-TERM>                                     4,295
<LIABILITIES-OTHER>                                462
<LONG-TERM>                                      6,568
                                0
                                          0
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<OTHER-SE>                                      21,065
<TOTAL-LIABILITIES-AND-EQUITY>                 248,558
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<INTEREST-INVEST>                                2,172
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<INTEREST-EXPENSE>                               4,364
<INTEREST-INCOME-NET>                            4,897
<LOAN-LOSSES>                                      120
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,858
<INCOME-PRETAX>                                  2,234
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<CHANGES>                                            0
<NET-INCOME>                                     1,676
<EPS-BASIC>                                       2.38
<EPS-DILUTED>                                     2.38
<YIELD-ACTUAL>                                    4.24
<LOANS-NON>                                         44
<LOANS-PAST>                                       229
<LOANS-TROUBLED>                                     0
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<ALLOWANCE-OPEN>                                 1,888
<CHARGE-OFFS>                                      124
<RECOVERIES>                                       137
<ALLOWANCE-CLOSE>                                2,021
<ALLOWANCE-DOMESTIC>                             2,021
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>



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