<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 16,487
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 541
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 137,601
<INVESTMENTS-CARRYING> 3,082
<INVESTMENTS-MARKET> 3,073
<LOANS> 295,712
<ALLOWANCE> 2,704
<TOTAL-ASSETS> 472,181
<DEPOSITS> 415,536
<SHORT-TERM> 23,398
<LIABILITIES-OTHER> 1,740
<LONG-TERM> 5,286
0
0
<COMMON> 11,453
<OTHER-SE> 13,347
<TOTAL-LIABILITIES-AND-EQUITY> 472,181
<INTEREST-LOAN> 14,627
<INTEREST-INVEST> 4,644
<INTEREST-OTHER> 34
<INTEREST-TOTAL> 19,305
<INTEREST-DEPOSIT> 9,854
<INTEREST-EXPENSE> 10,717
<INTEREST-INCOME-NET> 8,588
<LOAN-LOSSES> 330
<SECURITIES-GAINS> 18
<EXPENSE-OTHER> 6,752
<INCOME-PRETAX> 3,557
<INCOME-PRE-EXTRAORDINARY> 3,557
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,371
<EPS-BASIC> .08
<EPS-DILUTED> .07
<YIELD-ACTUAL> 3.87
<LOANS-NON> 0
<LOANS-PAST> 613
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 93
<ALLOWANCE-OPEN> 2,480
<CHARGE-OFFS> 18
<RECOVERIES> 124
<ALLOWANCE-CLOSE> 2,704
<ALLOWANCE-DOMESTIC> 140
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 2,564
</TABLE>