<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> 19,634
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 6,620
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 192,316
<INVESTMENTS-CARRYING> 28,264
<INVESTMENTS-MARKET> 28,198
<LOANS> 441,734
<ALLOWANCE> 4,774
<TOTAL-ASSETS> 699,570
<DEPOSITS> 580,555
<SHORT-TERM> 22,550
<LIABILITIES-OTHER> 3,360
<LONG-TERM> 1,899
0
0
<COMMON> 95
<OTHER-SE> 91,111
<TOTAL-LIABILITIES-AND-EQUITY> 699,570
<INTEREST-LOAN> 13,964
<INTEREST-INVEST> 6,376
<INTEREST-OTHER> 696
<INTEREST-TOTAL> 21,036
<INTEREST-DEPOSIT> 11,383
<INTEREST-EXPENSE> 12,101
<INTEREST-INCOME-NET> 8,935
<LOAN-LOSSES> 1,999
<SECURITIES-GAINS> 1
<EXPENSE-OTHER> 15,373
<INCOME-PRETAX> (7,537)
<INCOME-PRE-EXTRAORDINARY> (7,537)
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (7,537)
<EPS-BASIC> (.94)
<EPS-DILUTED> (.94)
<YIELD-ACTUAL> 3.50
<LOANS-NON> 208
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,775
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 4,774
<ALLOWANCE-DOMESTIC> 4,774
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>