<TABLE> <S> <C>


<ARTICLE>                                            9
<MULTIPLIER>                                   1,000
<CURRENCY>                                     US 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>                                1,000
<CASH>                                         23,631
<INT-BEARING-DEPOSITS>                         1,443
<FED-FUNDS-SOLD>                               30,366
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    109,735
<INVESTMENTS-CARRYING>                         20,094
<INVESTMENTS-MARKET>                           19,184
<LOANS>                                        418,539
<ALLOWANCE>                                    6,703
<TOTAL-ASSETS>                                 638,724
<DEPOSITS>                                     543,832
<SHORT-TERM>                                   11,527
<LIABILITIES-OTHER>                            7,210
<LONG-TERM>                                    0
                          0
                                    0
<COMMON>                                       21,582
<OTHER-SE>                                     34,158
<TOTAL-LIABILITIES-AND-EQUITY>                 638,724
<INTEREST-LOAN>                                11,269
<INTEREST-INVEST>                              2,605
<INTEREST-OTHER>                               3
<INTEREST-TOTAL>                               13,877
<INTEREST-DEPOSIT>                             4,780
<INTEREST-EXPENSE>                             5,334
<INTEREST-INCOME-NET>                          8,543
<LOAN-LOSSES>                                  125
<SECURITIES-GAINS>                             (587)
<EXPENSE-OTHER>                                4,116
<INCOME-PRETAX>                                4,212
<INCOME-PRE-EXTRAORDINARY>                     4,212
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   2,577
<EPS-BASIC>                                  0.70
<EPS-DILUTED>                                  0.67
<YIELD-ACTUAL>                                 0.059
<LOANS-NON>                                    283
<LOANS-PAST>                                   674
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               6,412
<CHARGE-OFFS>                                  3
<RECOVERIES>                                   30
<ALLOWANCE-CLOSE>                              6,703
<ALLOWANCE-DOMESTIC>                           6,703
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        538



</TABLE>



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