<TABLE> <S> <C>

<ARTICLE>                                   9
<MULTIPLIER>                                1
<CURRENCY>                                  U.S.Dollars

<S>                                         <C>
<PERIOD-TYPE>                               6-MOS
<FISCAL-YEAR-END>                           DEC-31-2000
<PERIOD-START>                              JAN-01-2000
<PERIOD-END>                                JUN-30-2000
<EXCHANGE-RATE>                                                             1
<CASH>                                                             12,551,000
<INT-BEARING-DEPOSITS>                                                      0
<FED-FUNDS-SOLD>                                                   15,900,000
<TRADING-ASSETS>                                                            0
<INVESTMENTS-HELD-FOR-SALE>                                                 0
<INVESTMENTS-CARRYING>                                             81,633,000
<INVESTMENTS-MARKET>                                               78,613,000
<LOANS>                                                           217,704,000
<ALLOWANCE>                                                         3,126,000
<TOTAL-ASSETS>                                                    341,057,000
<DEPOSITS>                                                        266,899,000
<SHORT-TERM>                                                       34,438,000
<LIABILITIES-OTHER>                                                 1,063,000
<LONG-TERM>                                                         8,100,000
<PREFERRED-MANDATORY>                                                       0
<PREFERRED>                                                                 0
<COMMON>                                                           13,096,000
<OTHER-SE>                                                         16,166,000
<TOTAL-LIABILITIES-AND-EQUITY>                                    341,057,000
<INTEREST-LOAN>                                                     9,606,000
<INTEREST-INVEST>                                                   1,932,000
<INTEREST-OTHER>                                                      810,000
<INTEREST-TOTAL>                                                   12,348,000
<INTEREST-DEPOSIT>                                                  3,957,000
<INTEREST-EXPENSE>                                                  1,173,000
<INTEREST-INCOME-NET>                                               7,218,000
<LOAN-LOSSES>                                                         379,000
<SECURITIES-GAINS>                                                          0
<EXPENSE-OTHER>                                                     6,926,000
<INCOME-PRETAX>                                                       921,000
<INCOME-PRE-EXTRAORDINARY>                                            921,000
<EXTRAORDINARY>                                                             0
<CHANGES>                                                                   0
<NET-INCOME>                                                          386,000
<EPS-BASIC>                                                              0.04
<EPS-DILUTED>                                                            0.04
<YIELD-ACTUAL>                                                           8.86
<LOANS-NON>                                                         2,968,000
<LOANS-PAST>                                                           13,000
<LOANS-TROUBLED>                                                            0
<LOANS-PROBLEM>                                                             0
<ALLOWANCE-OPEN>                                                    3,075,000
<CHARGE-OFFS>                                                         402,000
<RECOVERIES>                                                           74,000
<ALLOWANCE-CLOSE>                                                   3,126,000
<ALLOWANCE-DOMESTIC>                                                3,126,000
<ALLOWANCE-FOREIGN>                                                         0
<ALLOWANCE-UNALLOCATED>                                                     0


</TABLE>