<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the June 30,
2000 Form 10-Q and is qualified in its entirety by reference to such
information.
</LEGEND>
<MULTIPLIER> 1000
<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> 11395
<INT-BEARING-DEPOSITS> 209
<FED-FUNDS-SOLD> 3090
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 0
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 57868
<LOANS> 236066
<ALLOWANCE> (3059)
<TOTAL-ASSETS> 314496
<DEPOSITS> 253605
<SHORT-TERM> 32873
<LIABILITIES-OTHER> 1876
<LONG-TERM> 0
<COMMON> 2720
0
0
<OTHER-SE> 23423
<TOTAL-LIABILITIES-AND-EQUITY> 314496
<INTEREST-LOAN> 10171
<INTEREST-INVEST> 1759
<INTEREST-OTHER> 133
<INTEREST-TOTAL> 12063
<INTEREST-DEPOSIT> 4514
<INTEREST-EXPENSE> 5390
<INTEREST-INCOME-NET> 6673
<LOAN-LOSSES> 375
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 4564
<INCOME-PRETAX> 2954
<INCOME-PRE-EXTRAORDINARY> 2954
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2011
<EPS-BASIC> .74
<EPS-DILUTED> .73
<YIELD-ACTUAL> 4.81
<LOANS-NON> 408
<LOANS-PAST> 29
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 427
<ALLOWANCE-OPEN> 2794
<CHARGE-OFFS> 142
<RECOVERIES> 32
<ALLOWANCE-CLOSE> 3059
<ALLOWANCE-DOMESTIC> 2924
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>