<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                           6,340
<INT-BEARING-DEPOSITS>                             206
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     88,443
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        235,869
<ALLOWANCE>                                      2,391
<TOTAL-ASSETS>                                 342,506
<DEPOSITS>                                     289,119
<SHORT-TERM>                                    20,396
<LIABILITIES-OTHER>                              3,089
<LONG-TERM>                                      2,374
                                0
                                          0
<COMMON>                                         2,801
<OTHER-SE>                                      24,727
<TOTAL-LIABILITIES-AND-EQUITY>                 342,506
<INTEREST-LOAN>                                  9,892
<INTEREST-INVEST>                                2,712
<INTEREST-OTHER>                                    13
<INTEREST-TOTAL>                                12,617
<INTEREST-DEPOSIT>                               5,955
<INTEREST-EXPENSE>                               6,769
<INTEREST-INCOME-NET>                            5,848
<LOAN-LOSSES>                                      200
<SECURITIES-GAINS>                                   5
<EXPENSE-OTHER>                                  4,617
<INCOME-PRETAX>                                  2,284
<INCOME-PRE-EXTRAORDINARY>                       1,835
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,835
<EPS-BASIC>                                        .67
<EPS-DILUTED>                                      .67
<YIELD-ACTUAL>                                    3.91
<LOANS-NON>                                        311
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    770
<ALLOWANCE-OPEN>                                 2,270
<CHARGE-OFFS>                                      108
<RECOVERIES>                                        29
<ALLOWANCE-CLOSE>                                2,391
<ALLOWANCE-DOMESTIC>                             2,391
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            229


</TABLE>



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