<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
financial statements and management's discussion and analysis of financial
condition and results of operations contained in the Form 10-Q and is qualified
in its entirety by reference to such financial statements and discussion.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 23,223,000
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 95,700,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 84,740,000
<INVESTMENTS-CARRYING> 215,241,000
<INVESTMENTS-MARKET> 212,234,000
<LOANS> 186,818,000
<ALLOWANCE> 1,937,000
<TOTAL-ASSETS> 617,561,000
<DEPOSITS> 547,990,000
<SHORT-TERM> 0
<LIABILITIES-OTHER> 3,004,000
<LONG-TERM> 0
0
0
<COMMON> 292,000
<OTHER-SE> 66,275,000
<TOTAL-LIABILITIES-AND-EQUITY> 617,561,000
<INTEREST-LOAN> 7,970,000
<INTEREST-INVEST> 8,300,000
<INTEREST-OTHER> 2,178,000
<INTEREST-TOTAL> 18,448,000
<INTEREST-DEPOSIT> 5,987,000
<INTEREST-EXPENSE> 0
<INTEREST-INCOME-NET> 12,461,000
<LOAN-LOSSES> (75,000)
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 8,720,000
<INCOME-PRETAX> 6,030,000
<INCOME-PRE-EXTRAORDINARY> 6,030,000
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 4,381,000
<EPS-BASIC> 1.49
<EPS-DILUTED> 1.47
<YIELD-ACTUAL> 4.98
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,033,000
<CHARGE-OFFS> 42,000
<RECOVERIES> 21,000
<ALLOWANCE-CLOSE> 1,937,000
<ALLOWANCE-DOMESTIC> 1,937,000
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>