<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<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> 9,569
<INT-BEARING-DEPOSITS> 168
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 27,541
<INVESTMENTS-CARRYING> 71,786
<INVESTMENTS-MARKET> 70,677
<LOANS> 212,521
<ALLOWANCE> 5,246
<TOTAL-ASSETS> 330,274
<DEPOSITS> 259,606
<SHORT-TERM> 29,180
<LIABILITIES-OTHER> 1,093
<LONG-TERM> 8,884
0
0
<COMMON> 16,674
<OTHER-SE> 14,837
<TOTAL-LIABILITIES-AND-EQUITY> 330,274
<INTEREST-LOAN> 9,639
<INTEREST-INVEST> 2,739
<INTEREST-OTHER> 14
<INTEREST-TOTAL> 12,392
<INTEREST-DEPOSIT> 5,432
<INTEREST-EXPENSE> 6,112
<INTEREST-INCOME-NET> 6,280
<LOAN-LOSSES> 2,919
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 4,402
<INCOME-PRETAX> (60)
<INCOME-PRE-EXTRAORDINARY> 365
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 365
<EPS-BASIC> .15
<EPS-DILUTED> .15
<YIELD-ACTUAL> 4.19
<LOANS-NON> 1,096
<LOANS-PAST> 509
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 3,419
<CHARGE-OFFS> 1,136
<RECOVERIES> 44
<ALLOWANCE-CLOSE> 5,246
<ALLOWANCE-DOMESTIC> 3,822
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 1,424
</TABLE>