<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AND CONSOLIDATED STATEMENTS OF OPERATIONS 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-31-1999
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 11,120
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 36,737
<INVESTMENTS-CARRYING> 38,281
<INVESTMENTS-MARKET> 37,804
<LOANS> 246,039
<ALLOWANCE> 3,089
<TOTAL-ASSETS> 349,750
<DEPOSITS> 283,994
<SHORT-TERM> 25,343
<LIABILITIES-OTHER> 2,374
<LONG-TERM> 2,000
0
0
<COMMON> 23,885
<OTHER-SE> 12,154
<TOTAL-LIABILITIES-AND-EQUITY> 349,750
<INTEREST-LOAN> 10,400
<INTEREST-INVEST> 2,002
<INTEREST-OTHER> 41
<INTEREST-TOTAL> 12,443
<INTEREST-DEPOSIT> 4,718
<INTEREST-EXPENSE> 5,152
<INTEREST-INCOME-NET> 7,291
<LOAN-LOSSES> 175
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 5,609
<INCOME-PRETAX> 2,630
<INCOME-PRE-EXTRAORDINARY> 1,744
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,744
<EPS-BASIC> .91
<EPS-DILUTED> .91
<YIELD-ACTUAL> 4.59
<LOANS-NON> 541
<LOANS-PAST> 1,224
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 1,116
<ALLOWANCE-OPEN> 3,196
<CHARGE-OFFS> 465
<RECOVERIES> 183
<ALLOWANCE-CLOSE> 3,089
<ALLOWANCE-DOMESTIC> 3,089
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>