<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<CASH> 8,980
<INT-BEARING-DEPOSITS> 556
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 161,274
<INVESTMENTS-CARRYING> 382,530
<INVESTMENTS-MARKET> 374,912
<LOANS> 295,232
<ALLOWANCE> 1,902
<TOTAL-ASSETS> 721,521
<DEPOSITS> 419,611
<SHORT-TERM> 69,228
<LIABILITIES-OTHER> 10,046
<LONG-TERM> 173,359
0
0
<COMMON> 529
<OTHER-SE> 48,748
<TOTAL-LIABILITIES-AND-EQUITY> 721,521
<INTEREST-LOAN> 11,407
<INTEREST-INVEST> 12,783
<INTEREST-OTHER> 165
<INTEREST-TOTAL> 24,355
<INTEREST-DEPOSIT> 7,388
<INTEREST-EXPENSE> 14,531
<INTEREST-INCOME-NET> 9,824
<LOAN-LOSSES> 164
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 7,341
<INCOME-PRETAX> 3,069
<INCOME-PRE-EXTRAORDINARY> 3,069
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,086
<EPS-BASIC> .82
<EPS-DILUTED> .79
<YIELD-ACTUAL> 2.72
<LOANS-NON> 0
<LOANS-PAST> 1,322
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,970
<CHARGE-OFFS> 232
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 1,902
<ALLOWANCE-DOMESTIC> 0
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 1,902
</TABLE>