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<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1000
<S> <C> <C>
<PERIOD-TYPE> 6-MOS 12-MOS
<FISCAL-YEAR-END> DEC-31-2000 DEC-31-2000
<PERIOD-END> JUN-30-2000 JUN-30-2000
<CASH> 0 7,053
<INT-BEARING-DEPOSITS> 0 250
<FED-FUNDS-SOLD> 0 5,500
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 0 108,823
<INVESTMENTS-CARRYING> 0 13,168
<INVESTMENTS-MARKET> 0 13,299
<LOANS> 0 180,906
<ALLOWANCE> 0 2,772
<TOTAL-ASSETS> 0 331,414
<DEPOSITS> 0 270,900
<SHORT-TERM> 0 8,924
<LIABILITIES-OTHER> 0 1,285
<LONG-TERM> 0 18,567
0 0
0 0
<COMMON> 0 6,004
<OTHER-SE> 0 25,734
<TOTAL-LIABILITIES-AND-EQUITY> 0 331,414
<INTEREST-LOAN> 3,814 7,499
<INTEREST-INVEST> 2,016 3,900
<INTEREST-OTHER> 131 235
<INTEREST-TOTAL> 5,961 11,634
<INTEREST-DEPOSIT> 2,652 5,166
<INTEREST-EXPENSE> 2,967 5,742
<INTEREST-INCOME-NET> 2,994 5,892
<LOAN-LOSSES> 62 99
<SECURITIES-GAINS> 0 0
<EXPENSE-OTHER> 1,923 3,780
<INCOME-PRETAX> 1,380 2,729
<INCOME-PRE-EXTRAORDINARY> 973 1,913
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 973 1,913
<EPS-BASIC> 0.41 0.80
<EPS-DILUTED> 0.40 0.79
<YIELD-ACTUAL> 0 3.80
<LOANS-NON> 0 1,102
<LOANS-PAST> 0 152
<LOANS-TROUBLED> 0 0
<LOANS-PROBLEM> 0 0
<ALLOWANCE-OPEN> 0 2,697
<CHARGE-OFFS> 0 61
<RECOVERIES> 0 37
<ALLOWANCE-CLOSE> 0 2,772
<ALLOWANCE-DOMESTIC> 0 2,422
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 0 350
</TABLE>
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