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<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-END> JUN-30-2000
<CASH> 17,477
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<FED-FUNDS-SOLD> 70
<TRADING-ASSETS> 0
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<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 4,789
<LOANS> 422,598
<ALLOWANCE> 7,202
<TOTAL-ASSETS> 570,206
<DEPOSITS> 465,119
<SHORT-TERM> 45,884
<LIABILITIES-OTHER> 6,799
<LONG-TERM> 0
0
0
<COMMON> 8,275
<OTHER-SE> 44,129
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<INTEREST-LOAN> 20,810
<INTEREST-INVEST> 2,910
<INTEREST-OTHER> 190
<INTEREST-TOTAL> 23,909
<INTEREST-DEPOSIT> 9,492
<INTEREST-EXPENSE> 10,665
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<EXPENSE-OTHER> 14,117
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<YIELD-ACTUAL> 5.24
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<ALLOWANCE-CLOSE> 7,202
<ALLOWANCE-DOMESTIC> 7,202
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 7,202
</TABLE>
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