<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> 19,119
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 8,687
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 68,242
<INVESTMENTS-CARRYING> 16,671
<INVESTMENTS-MARKET> 16,329
<LOANS> 398,256
<ALLOWANCE> 4,178
<TOTAL-ASSETS> 532,379
<DEPOSITS> 479,478
<SHORT-TERM> 10,766
<LIABILITIES-OTHER> 7,788
<LONG-TERM> 0
0
0
<COMMON> 3,970
<OTHER-SE> 30,377
<TOTAL-LIABILITIES-AND-EQUITY> 532,379
<INTEREST-LOAN> 16,931
<INTEREST-INVEST> 2,772
<INTEREST-OTHER> 459
<INTEREST-TOTAL> 20,162
<INTEREST-DEPOSIT> 10,014
<INTEREST-EXPENSE> 10,239
<INTEREST-INCOME-NET> 9,923
<LOAN-LOSSES> 566
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 7,660
<INCOME-PRETAX> 4,313
<INCOME-PRE-EXTRAORDINARY> 4,313
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,690
<EPS-BASIC> 1.36
<EPS-DILUTED> 1.36
<YIELD-ACTUAL> 2.03
<LOANS-NON> 155
<LOANS-PAST> 656
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 990
<ALLOWANCE-OPEN> 3,847
<CHARGE-OFFS> 288
<RECOVERIES> 53
<ALLOWANCE-CLOSE> 4,178
<ALLOWANCE-DOMESTIC> 4,178
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>