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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
(Replace this text with the legend)
</LEGEND>
<MULTIPLIER> 1000
<S> <C> <C>
<PERIOD-TYPE> 12-MOS 12-MOS
<FISCAL-YEAR-END> DEC-31-2000 DEC-31-1999
<PERIOD-END> JUN-30-2000 JUN-30-1999
<CASH> 19,350 19,266
<INT-BEARING-DEPOSITS> 0 0
<FED-FUNDS-SOLD> 0 0
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 390,192 395,322
<INVESTMENTS-CARRYING> 0 0
<INVESTMENTS-MARKET> 0 0
<LOANS> 497,454 403,774
<ALLOWANCE> 8,736 8,452
<TOTAL-ASSETS> 945,162 745,387
<DEPOSITS> 792,448 607,766
<SHORT-TERM> 65,628 63,904
<LIABILITIES-OTHER> 27,175 8,930
<LONG-TERM> 5,851 6,286
0 0
0 0
<COMMON> 9,756 9,761
<OTHER-SE> 44,304 48,740
<TOTAL-LIABILITIES-AND-EQUITY> 945,162 745,387
<INTEREST-LOAN> 19,736 16,759
<INTEREST-INVEST> 14,704 9,373
<INTEREST-OTHER> 128 71
<INTEREST-TOTAL> 34,568 26,203
<INTEREST-DEPOSIT> 16,365 12,055
<INTEREST-EXPENSE> 17,410 12,689
<INTEREST-INCOME-NET> 17,158 13,514
<LOAN-LOSSES> 740 720
<SECURITIES-GAINS> (326) (652)
<EXPENSE-OTHER> 12,823 9,795
<INCOME-PRETAX> 5,562 4,265
<INCOME-PRE-EXTRAORDINARY> 5,562 4,265
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 4,096 3,146
<EPS-BASIC> 0.55 0.41
<EPS-DILUTED> 0.54 0.41
<YIELD-ACTUAL> 3.96 4.06
<LOANS-NON> 4,792 4,637
<LOANS-PAST> 386 1,646
<LOANS-TROUBLED> 0 0
<LOANS-PROBLEM> 0 0
<ALLOWANCE-OPEN> 8,529 8,384
<CHARGE-OFFS> 688 845
<RECOVERIES> 155 193
<ALLOWANCE-CLOSE> 8,736 8,452
<ALLOWANCE-DOMESTIC> 8,736 8,452
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 940 2,025
<FN>
(1) Basic earnings per share under SFAS No. 128
(2) Diluted earnings per share under SFAS No. 128
(3) Fully taxable equivalent
</FN>
</TABLE>
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