<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<CASH> 7,061
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 6,699
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 40,078
<INVESTMENTS-CARRYING> 27,670
<INVESTMENTS-MARKET> 26,659
<LOANS> 205,191
<ALLOWANCE> 1,811
<TOTAL-ASSETS> 294,615
<DEPOSITS> 225,055
<SHORT-TERM> 16,000
<LIABILITIES-OTHER> 4,344
<LONG-TERM> 32,000
0
0
<COMMON> 253
<OTHER-SE> 16,963
<TOTAL-LIABILITIES-AND-EQUITY> 294,615
<INTEREST-LOAN> 7,139
<INTEREST-INVEST> 2,313
<INTEREST-OTHER> 192
<INTEREST-TOTAL> 9,644
<INTEREST-DEPOSIT> 3,800
<INTEREST-EXPENSE> 5,240
<INTEREST-INCOME-NET> 4,404
<LOAN-LOSSES> 30
<SECURITIES-GAINS> 2
<EXPENSE-OTHER> 3,432
<INCOME-PRETAX> 1,848
<INCOME-PRE-EXTRAORDINARY> 1,391
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,391
<EPS-BASIC> .56
<EPS-DILUTED> .55
<YIELD-ACTUAL> 7.05
<LOANS-NON> 29
<LOANS-PAST> 0
<LOANS-TROUBLED> 38
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,798
<CHARGE-OFFS> 34
<RECOVERIES> 17
<ALLOWANCE-CLOSE> 1,811
<ALLOWANCE-DOMESTIC> 1,819
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 37
</TABLE>