<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM JUNE 30,
2000 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<CURRENCY> U.S. DOLLARS
<S> <C>
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> APR-01-2000
<PERIOD-END> JUN-30-2000
<EXCHANGE-RATE> 1
<CASH> 12,013
<INT-BEARING-DEPOSITS> 8,697
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 70,175
<INVESTMENTS-CARRYING> 7,044
<INVESTMENTS-MARKET> 7,284
<LOANS> 319,131
<ALLOWANCE> 4,516
<TOTAL-ASSETS> 423,437
<DEPOSITS> 373,457
<SHORT-TERM> 8,056
<LIABILITIES-OTHER> 6,572
<LONG-TERM> 0
0
0
<COMMON> 809
<OTHER-SE> 34,543
<TOTAL-LIABILITIES-AND-EQUITY> 423,437
<INTEREST-LOAN> 6,753
<INTEREST-INVEST> 1,442
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 8,195
<INTEREST-DEPOSIT> 3,047
<INTEREST-EXPENSE> 3,135
<INTEREST-INCOME-NET> 5,060
<LOAN-LOSSES> 114
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 2,857
<INCOME-PRETAX> 2,456
<INCOME-PRE-EXTRAORDINARY> 2,456
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,651
<EPS-BASIC> .23
<EPS-DILUTED> .22
<YIELD-ACTUAL> 5.10
<LOANS-NON> 0
<LOANS-PAST> 4
<LOANS-TROUBLED> 1,020
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 4,396
<CHARGE-OFFS> 14
<RECOVERIES> 20
<ALLOWANCE-CLOSE> 4,516
<ALLOWANCE-DOMESTIC> 4,516
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>