<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY INFORMATION EXTRACTED FROM FORM 10-Q FOR THE
QUARTERLY PERIOD ENDED JUNE 30, 2000 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-END> JUN-30-2000
<CASH> 14,833
<INT-BEARING-DEPOSITS> 650
<FED-FUNDS-SOLD> 160
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 62,695
<INVESTMENTS-CARRYING> 57,498
<INVESTMENTS-MARKET> 0
<LOANS> 387,193
<ALLOWANCE> 4,012
<TOTAL-ASSETS> 538,294
<DEPOSITS> 451,001
<SHORT-TERM> 14,683
<LIABILITIES-OTHER> 5,967
<LONG-TERM> 15,000
0
0
<COMMON> 12,616
<OTHER-SE> 39,027
<TOTAL-LIABILITIES-AND-EQUITY> 538,294
<INTEREST-LOAN> 16,289
<INTEREST-INVEST> 3,624
<INTEREST-OTHER> 231
<INTEREST-TOTAL> 20,144
<INTEREST-DEPOSIT> 8,948
<INTEREST-EXPENSE> 9,645
<INTEREST-INCOME-NET> 10,499
<LOAN-LOSSES> 992
<SECURITIES-GAINS> 76
<EXPENSE-OTHER> 10,830
<INCOME-PRETAX> 917
<INCOME-PRE-EXTRAORDINARY> 917
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 506
<EPS-BASIC> 0.10
<EPS-DILUTED> 0.10
<YIELD-ACTUAL> 4.16
<LOANS-NON> 516
<LOANS-PAST> 1,071
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 3,289
<CHARGE-OFFS> 382
<RECOVERIES> 113
<ALLOWANCE-CLOSE> 4,012
<ALLOWANCE-DOMESTIC> 3,585
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 427
</TABLE>