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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule of financial information is extracted from the June 30, 2000
10-Q and is qualified in its entirety by reference to such 10-Q
</LEGEND>
<CIK> 0000796534
<NAME> J. Robert Buchanan C.F.O. 540-951-6283
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<CASH> 13,116
<INT-BEARING-DEPOSITS> 10,074
<FED-FUNDS-SOLD> 150
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 120,324
<INVESTMENTS-CARRYING> 21,855
<INVESTMENTS-MARKET> 21,618
<LOANS> 311,210
<ALLOWANCE> 3,545
<TOTAL-ASSETS> 491,541
<DEPOSITS> 424,776
<SHORT-TERM> 514
<LIABILITIES-OTHER> 1,297
<LONG-TERM> 10,000
0
0
<COMMON> 8,782
<OTHER-SE> 46,172
<TOTAL-LIABILITIES-AND-EQUITY> 491,541
<INTEREST-LOAN> 13,385
<INTEREST-INVEST> 4,444
<INTEREST-OTHER> 301
<INTEREST-TOTAL> 18,130
<INTEREST-DEPOSIT> 7,815
<INTEREST-EXPENSE> 8,160
<INTEREST-INCOME-NET> 9,970
<LOAN-LOSSES> 666
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 6,085
<INCOME-PRETAX> 5,106
<INCOME-PRE-EXTRAORDINARY> 5,106
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 3,721
<EPS-BASIC> 1.06
<EPS-DILUTED> 1.06
<YIELD-ACTUAL> 0
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 0
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 0
<ALLOWANCE-DOMESTIC> 0
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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