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<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1
<CURRENCY> U.S.Dollars
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<EXCHANGE-RATE> 1
<CASH> 12,551,000
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 15,900,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 0
<INVESTMENTS-CARRYING> 81,633,000
<INVESTMENTS-MARKET> 78,613,000
<LOANS> 217,704,000
<ALLOWANCE> 3,126,000
<TOTAL-ASSETS> 341,057,000
<DEPOSITS> 266,899,000
<SHORT-TERM> 34,438,000
<LIABILITIES-OTHER> 1,063,000
<LONG-TERM> 8,100,000
0
0
<COMMON> 13,096,000
<OTHER-SE> 16,166,000
<TOTAL-LIABILITIES-AND-EQUITY> 341,057,000
<INTEREST-LOAN> 9,606,000
<INTEREST-INVEST> 1,932,000
<INTEREST-OTHER> 810,000
<INTEREST-TOTAL> 12,348,000
<INTEREST-DEPOSIT> 3,957,000
<INTEREST-EXPENSE> 1,173,000
<INTEREST-INCOME-NET> 7,218,000
<LOAN-LOSSES> 379,000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 6,926,000
<INCOME-PRETAX> 921,000
<INCOME-PRE-EXTRAORDINARY> 921,000
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 386,000
<EPS-BASIC> 0.04
<EPS-DILUTED> 0.04
<YIELD-ACTUAL> 8.86
<LOANS-NON> 2,968,000
<LOANS-PAST> 13,000
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 3,075,000
<CHARGE-OFFS> 402,000
<RECOVERIES> 74,000
<ALLOWANCE-CLOSE> 3,126,000
<ALLOWANCE-DOMESTIC> 3,126,000
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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