<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from SEC Form
10-Q and is qualified in its entirety by reference to such financials
statements.
</LEGEND>
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-END> JUN-30-2000
<CASH> 21,643
<INT-BEARING-DEPOSITS> 621
<FED-FUNDS-SOLD> 2,588
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 130,994
<INVESTMENTS-CARRYING> 9,301
<INVESTMENTS-MARKET> 9,331
<LOANS> 368,420
<ALLOWANCE> (4,391)
<TOTAL-ASSETS> 556,345
<DEPOSITS> 465,615
<SHORT-TERM> 13,960
<LIABILITIES-OTHER> 3,594
<LONG-TERM> 7,000
0
0
<COMMON> 68,974
<OTHER-SE> (2,798)
<TOTAL-LIABILITIES-AND-EQUITY> 556,345
<INTEREST-LOAN> 16,684
<INTEREST-INVEST> 4,360
<INTEREST-OTHER> 203
<INTEREST-TOTAL> 21,247
<INTEREST-DEPOSIT> 8,764
<INTEREST-EXPENSE> 9,321
<INTEREST-INCOME-NET> 11,926
<LOAN-LOSSES> 535
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 8,756
<INCOME-PRETAX> 5,238
<INCOME-PRE-EXTRAORDINARY> 3,692
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 3,692
<EPS-BASIC> 0.43
<EPS-DILUTED> 0.43
<YIELD-ACTUAL> 4.68
<LOANS-NON> 1,492
<LOANS-PAST> 58
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 3,650
<ALLOWANCE-OPEN> 4,128
<CHARGE-OFFS> 533
<RECOVERIES> 261
<ALLOWANCE-CLOSE> 4,391
<ALLOWANCE-DOMESTIC> 3,917
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 474
</TABLE>