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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AT JUNE 30, 2000 AND DECEMBER 31, 1999 AND THE
CONSOLIDATED STATEMENTS OF INCOME FOR THE THREE MONTHS AND SIX MONTHS ENDED JUNE
30, 2000 AND 1999.
</LEGEND>
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 3,039
<INT-BEARING-DEPOSITS> 8,400
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 156,778
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 508,641
<ALLOWANCE> 3,361
<TOTAL-ASSETS> 716,209
<DEPOSITS> 401,630
<SHORT-TERM> 56,000
<LIABILITIES-OTHER> 5,468
<LONG-TERM> 188,900
0
0
<COMMON> 91
<OTHER-SE> 64,120
<TOTAL-LIABILITIES-AND-EQUITY> 716,209
<INTEREST-LOAN> 19,396
<INTEREST-INVEST> 5,804
<INTEREST-OTHER> 500
<INTEREST-TOTAL> 25,700
<INTEREST-DEPOSIT> 8,858
<INTEREST-EXPENSE> 15,700
<INTEREST-INCOME-NET> 10,000
<LOAN-LOSSES> 90
<SECURITIES-GAINS> 9,910
<EXPENSE-OTHER> 5,974
<INCOME-PRETAX> 5,560
<INCOME-PRE-EXTRAORDINARY> 3,410
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 3,410
<EPS-BASIC> .87
<EPS-DILUTED> .84
<YIELD-ACTUAL> 2.94
<LOANS-NON> 685
<LOANS-PAST> 5
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 3,273
<CHARGE-OFFS> (2)
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 3,361
<ALLOWANCE-DOMESTIC> 2,182
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 1,179
</TABLE>
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