<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Condensed Statements of Condition as of June 30, 2000 (unaudited)
and the Consolidated Condensed Statements of Income for the six months ended
June 30, 2000 (unaudited) 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-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 13,151
<INT-BEARING-DEPOSITS> 5
<FED-FUNDS-SOLD> 17,450
<TRADING-ASSETS> 207
<INVESTMENTS-HELD-FOR-SALE> 228,786
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 323,727
<ALLOWANCE> (5,828)
<TOTAL-ASSETS> 605,181
<DEPOSITS> 386,658
<SHORT-TERM> 98,509
<LIABILITIES-OTHER> 11,908
<LONG-TERM> 67,000
0
0
<COMMON> 5,895
<OTHER-SE> 35,211
<TOTAL-LIABILITIES-AND-EQUITY> 605,181
<INTEREST-LOAN> 12,978
<INTEREST-INVEST> 8,092
<INTEREST-OTHER> 333
<INTEREST-TOTAL> 21,403
<INTEREST-DEPOSIT> 5,974
<INTEREST-EXPENSE> 11,053
<INTEREST-INCOME-NET> 10,350
<LOAN-LOSSES> 236
<SECURITIES-GAINS> 277
<EXPENSE-OTHER> 5,849
<INCOME-PRETAX> 6,023
<INCOME-PRE-EXTRAORDINARY> 6,023
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 4,227
<EPS-BASIC> .81
<EPS-DILUTED> .77
<YIELD-ACTUAL> 3.65
<LOANS-NON> 954
<LOANS-PAST> 0
<LOANS-TROUBLED> 500
<LOANS-PROBLEM> 5,801
<ALLOWANCE-OPEN> 5,681
<CHARGE-OFFS> 191
<RECOVERIES> 102
<ALLOWANCE-CLOSE> 5,828
<ALLOWANCE-DOMESTIC> 4,387
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 1,441
</TABLE>