<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED STATEMENTS OF OPERATIONS AND CONSOLIDATED BALANCE SHEETS FOUND
ON PAGES 3 AND 4 OF THE COMPANY'S FORM 10-Q FOR THE YEAR-TO-DATE, AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<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> 14,159
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 90,683
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 287,850
<ALLOWANCE> 3,456
<TOTAL-ASSETS> 407,278
<DEPOSITS> 362,162
<SHORT-TERM> 6,300
<LIABILITIES-OTHER> 3,652
<LONG-TERM> 37
0
0
<COMMON> 656
<OTHER-SE> 34,471
<TOTAL-LIABILITIES-AND-EQUITY> 407,278
<INTEREST-LOAN> 11,687
<INTEREST-INVEST> 2,804
<INTEREST-OTHER> 29
<INTEREST-TOTAL> 14,520
<INTEREST-DEPOSIT> 7,439
<INTEREST-EXPENSE> 7,538
<INTEREST-INCOME-NET> 6,982
<LOAN-LOSSES> 180
<SECURITIES-GAINS> 173
<EXPENSE-OTHER> 5,328
<INCOME-PRETAX> 2,573
<INCOME-PRE-EXTRAORDINARY> 2,573
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,030
<EPS-BASIC> 1.01
<EPS-DILUTED> 1.01
<YIELD-ACTUAL> 7.88
<LOANS-NON> 2,476
<LOANS-PAST> 891
<LOANS-TROUBLED> 131
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 3,799
<CHARGE-OFFS> 579
<RECOVERIES> 56
<ALLOWANCE-CLOSE> 3,456
<ALLOWANCE-DOMESTIC> 3,456
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 718
</TABLE>