<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> 19,381
<INT-BEARING-DEPOSITS> 182
<FED-FUNDS-SOLD> 1,575
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 33,174
<INVESTMENTS-CARRYING> 10,132
<INVESTMENTS-MARKET> 10,128
<LOANS> 313,127
<ALLOWANCE> 3,201
<TOTAL-ASSETS> 398,489
<DEPOSITS> 329,304
<SHORT-TERM> 22,752
<LIABILITIES-OTHER> 2,867
<LONG-TERM> 0
0
0
<COMMON> 61
<OTHER-SE> 43,505
<TOTAL-LIABILITIES-AND-EQUITY> 398,489
<INTEREST-LOAN> 13,042
<INTEREST-INVEST> 1,358
<INTEREST-OTHER> 200
<INTEREST-TOTAL> 14,600
<INTEREST-DEPOSIT> 5,836
<INTEREST-EXPENSE> 6,195
<INTEREST-INCOME-NET> 8,405
<LOAN-LOSSES> 600
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 7,455
<INCOME-PRETAX> 1,901
<INCOME-PRE-EXTRAORDINARY> 1,244
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,244
<EPS-BASIC> 0.20
<EPS-DILUTED> 0.20
<YIELD-ACTUAL> 4.94
<LOANS-NON> 423
<LOANS-PAST> 314
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,671
<CHARGE-OFFS> 185
<RECOVERIES> 115
<ALLOWANCE-CLOSE> 3,201
<ALLOWANCE-DOMESTIC> 3,201
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>