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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains financial information from the Consolidated Balance Sheet
at June 30, 2000(unaudited) and the Consolidated Statements of Income for the
six months ended June 30, 2000(unaudited) and is qualified in its entirety by
reference to such statements.
</LEGEND>
<MULTIPLIER> 1
<CURRENCY> U.S. Dollars
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<EXCHANGE-RATE> 1
<CASH> 7081
<INT-BEARING-DEPOSITS> 8272
<FED-FUNDS-SOLD> 3280
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 26693
<INVESTMENTS-CARRYING> 26693
<INVESTMENTS-MARKET> 1388
<LOANS> 157692
<ALLOWANCE> 2279
<TOTAL-ASSETS> 210178
<DEPOSITS> 167984
<SHORT-TERM> 9500
<LIABILITIES-OTHER> 2247
<LONG-TERM> 11000
0
0
<COMMON> 3422
<OTHER-SE> 16025
<TOTAL-LIABILITIES-AND-EQUITY> 210178
<INTEREST-LOAN> 7846
<INTEREST-INVEST> 784
<INTEREST-OTHER> 149
<INTEREST-TOTAL> 8779
<INTEREST-DEPOSIT> 3541
<INTEREST-EXPENSE> 3936
<INTEREST-INCOME-NET> 4843
<LOAN-LOSSES> 198
<SECURITIES-GAINS> 10
<EXPENSE-OTHER> 3554
<INCOME-PRETAX> 1926
<INCOME-PRE-EXTRAORDINARY> 1926
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1321
<EPS-BASIC> .40
<EPS-DILUTED> .36
<YIELD-ACTUAL> 5
<LOANS-NON> 147
<LOANS-PAST> 73
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2163
<CHARGE-OFFS> 152
<RECOVERIES> 70
<ALLOWANCE-CLOSE> 2279
<ALLOWANCE-DOMESTIC> 2279
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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