<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AS OF MARCH 31, 2000 AND THE CONSOLIDATED STATEMENT
OF INCOME FOR THREE MONTHS ENDED MARCH 31, 2000 AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<CASH> 5,571
<INT-BEARING-DEPOSITS> 415
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 123,156
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 161,542
<ALLOWANCE> (1,590)
<TOTAL-ASSETS> 299,758
<DEPOSITS> 195,062
<SHORT-TERM> 16,800
<LIABILITIES-OTHER> 630
<LONG-TERM> 47,500
0
0
<COMMON> 366
<OTHER-SE> 39,400
<TOTAL-LIABILITIES-AND-EQUITY> 299,758
<INTEREST-LOAN> 3,361
<INTEREST-INVEST> 2,054
<INTEREST-OTHER> 11
<INTEREST-TOTAL> 5,426
<INTEREST-DEPOSIT> 1,838
<INTEREST-EXPENSE> 2,792
<INTEREST-INCOME-NET> 2,634
<LOAN-LOSSES> 84
<SECURITIES-GAINS> (149)
<EXPENSE-OTHER> 1,799
<INCOME-PRETAX> 853
<INCOME-PRE-EXTRAORDINARY> 617
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 617
<EPS-BASIC> 0.19
<EPS-DILUTED> 0.19
<YIELD-ACTUAL> 3.64
<LOANS-NON> 115
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 811
<ALLOWANCE-OPEN> 1,523
<CHARGE-OFFS> 103
<RECOVERIES> 20
<ALLOWANCE-CLOSE> 1,590
<ALLOWANCE-DOMESTIC> 1,503
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 87
</TABLE>