<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                          15,876
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 3,900
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     58,915
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        164,340
<ALLOWANCE>                                      2,721
<TOTAL-ASSETS>                                 253,340
<DEPOSITS>                                     223,020
<SHORT-TERM>                                     2,598
<LIABILITIES-OTHER>                              2,215
<LONG-TERM>                                      3,000
                                0
                                          0
<COMMON>                                         7,359
<OTHER-SE>                                      15,148
<TOTAL-LIABILITIES-AND-EQUITY>                 253,340
<INTEREST-LOAN>                                  7,039
<INTEREST-INVEST>                                1,814
<INTEREST-OTHER>                                   166
<INTEREST-TOTAL>                                 9,019
<INTEREST-DEPOSIT>                               3,277
<INTEREST-EXPENSE>                               3,404
<INTEREST-INCOME-NET>                            5,615
<LOAN-LOSSES>                                      130
<SECURITIES-GAINS>                                 (2)
<EXPENSE-OTHER>                                  5,011
<INCOME-PRETAX>                                  1,533
<INCOME-PRE-EXTRAORDINARY>                       1,533
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,098
<EPS-BASIC>                                       0.52
<EPS-DILUTED>                                     0.52
<YIELD-ACTUAL>                                    5.22
<LOANS-NON>                                        495
<LOANS-PAST>                                       110
<LOANS-TROUBLED>                                    75
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,700
<CHARGE-OFFS>                                      140
<RECOVERIES>                                        31
<ALLOWANCE-CLOSE>                                2,721
<ALLOWANCE-DOMESTIC>                             2,721
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>



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