WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
EXHIBIT 27-4
FINANCIAL DATA SCHEDULE
<ARTICLE> 9
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 20,523
<INT-BEARING-DEPOSITS> 9,127
<FED-FUNDS-SOLD> 7,475
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 135,018
<INVESTMENTS-CARRYING> 7,209
<INVESTMENTS-MARKET> 6,787
<LOANS> 359,641
<ALLOWANCE> 5,452
<TOTAL-ASSETS> 579,520
<DEPOSITS> 475,953
<SHORT-TERM> 8,745
<LIABILITIES-OTHER> 10,744
<LONG-TERM> 48,000
<COMMON> 3,163
0
0
<OTHER-SE> 32,914
<TOTAL-LIABILITIES-AND-EQUITY> 579,520
<INTEREST-LOAN> 15,082
<INTEREST-INVEST> 4,705
<INTEREST-OTHER> 679
<INTEREST-TOTAL> 20,466
<INTEREST-DEPOSIT> 7,910
<INTEREST-EXPENSE> 10,194
<INTEREST-INCOME-NET> 10,272
<LOAN-LOSSES> 573
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 9,427
<INCOME-PRETAX> 3,536
<INCOME-PRE-EXTRAORDINARY> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,199
<EPS-BASIC> 0.35
<EPS-DILUTED> 0.34
<YIELD-ACTUAL> 0
<LOANS-NON> 1,818
<LOANS-PAST> 177
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 4,953
<CHARGE-OFFS> 92
<RECOVERIES> 18
<ALLOWANCE-CLOSE> 5,452
<ALLOWANCE-DOMESTIC> 5,452
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 1,336
</TABLE>