<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 6-mos
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 15,644
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 119,692
<INVESTMENTS-CARRYING> 27,455
<INVESTMENTS-MARKET> 26,915
<LOANS> 178,803
<ALLOWANCE> 3,525
<TOTAL-ASSETS> 353,368
<DEPOSITS> 296,593
<SHORT-TERM> 8,383
<LIABILITIES-OTHER> 2,888
<LONG-TERM> 5,000
0
0
<COMMON> 4,476
<OTHER-SE> 36,027
<TOTAL-LIABILITIES-AND-EQUITY> 353,368
<INTEREST-LOAN> 8,938
<INTEREST-INVEST> 4,441
<INTEREST-OTHER> 124
<INTEREST-TOTAL> 13,503
<INTEREST-DEPOSIT> 5,399
<INTEREST-EXPENSE> 5,581
<INTEREST-INCOME-NET> 7,922
<LOAN-LOSSES> 600
<SECURITIES-GAINS> 7
<EXPENSE-OTHER> 5,405
<INCOME-PRETAX> 3,607
<INCOME-PRE-EXTRAORDINARY> 2,537
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,537
<EPS-BASIC> 0.72
<EPS-DILUTED> 0.72
<YIELD-ACTUAL> 5.06
<LOANS-NON> 552
<LOANS-PAST> 1,719
<LOANS-TROUBLED> 354
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 3,223
<CHARGE-OFFS> 558
<RECOVERIES> 260
<ALLOWANCE-CLOSE> 3,525
<ALLOWANCE-DOMESTIC> 3,525
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>