<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Financial Statements at June 30, 2000.
</LEGEND>
<S> <C> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 8,944
<INT-BEARING-DEPOSITS> 3,452
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 61,764
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 61,764
<LOANS> 467,246
<ALLOWANCE> 5,240
<TOTAL-ASSETS> 553,500
<DEPOSITS> 424,198
<SHORT-TERM> 52,565
<LIABILITIES-OTHER> 11,226
<LONG-TERM> 19,000
0
0
<COMMON> 44
<OTHER-SE> 46,467
<TOTAL-LIABILITIES-AND-EQUITY> 553,500
<INTEREST-LOAN> 18,821
<INTEREST-INVEST> 2,099
<INTEREST-OTHER> 278
<INTEREST-TOTAL> 21,198
<INTEREST-DEPOSIT> 9,822
<INTEREST-EXPENSE> 12,713
<INTEREST-INCOME-NET> 8,485
<LOAN-LOSSES> 510
<SECURITIES-GAINS> (96)
<EXPENSE-OTHER> 5,968
<INCOME-PRETAX> 3,437
<INCOME-PRE-EXTRAORDINARY> 3,437
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,222
<EPS-BASIC> .54
<EPS-DILUTED> .54
<YIELD-ACTUAL> 7.82
<LOANS-NON> 609
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 4,833
<CHARGE-OFFS> 118
<RECOVERIES> 15
<ALLOWANCE-CLOSE> 5,240
<ALLOWANCE-DOMESTIC> 5,240
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 5,240
</TABLE>