<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated  Balance Sheet at June 30, 2000  (unaudited)  and the  Consolidated
Statement of Income for the three 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-END>                                                      JUN-30-2000
<CASH>                                                                 11,082
<INT-BEARING-DEPOSITS>                                                  1,342
<FED-FUNDS-SOLD>                                                        1,600
<TRADING-ASSETS>                                                            0
<INVESTMENTS-HELD-FOR-SALE>                                            35,740
<INVESTMENTS-CARRYING>                                                 12,370
<INVESTMENTS-MARKET>                                                   11,817
<LOANS>                                                               185,198
<ALLOWANCE>                                                             2,150
<TOTAL-ASSETS>                                                        253,209
<DEPOSITS>                                                            202,073
<SHORT-TERM>                                                            4,543
<LIABILITIES-OTHER>                                                     1,195
<LONG-TERM>                                                            24,120
<PREFERRED-MANDATORY>                                                       0
<PREFERRED>                                                                 0
<COMMON>                                                               15,925
<OTHER-SE>                                                              5,998
<TOTAL-LIABILITIES-AND-EQUITY>                                        253,209
<INTEREST-LOAN>                                                         7,763
<INTEREST-INVEST>                                                       1,492
<INTEREST-OTHER>                                                           88
<INTEREST-TOTAL>                                                        9,471
<INTEREST-DEPOSIT>                                                      3,904
<INTEREST-EXPENSE>                                                      4,494
<INTEREST-INCOME-NET>                                                   4,977
<LOAN-LOSSES>                                                             338
<SECURITIES-GAINS>                                                         (2)
<EXPENSE-OTHER>                                                         3,227
<INCOME-PRETAX>                                                         2,297
<INCOME-PRE-EXTRAORDINARY>                                              2,297
<EXTRAORDINARY>                                                             0
<CHANGES>                                                                   0
<NET-INCOME>                                                            1,477
<EPS-BASIC>                                                              0.46
<EPS-DILUTED>                                                            0.46
<YIELD-ACTUAL>                                                           4.43
<LOANS-NON>                                                               359
<LOANS-PAST>                                                              205
<LOANS-TROUBLED>                                                            0
<LOANS-PROBLEM>                                                           564
<ALLOWANCE-OPEN>                                                        1,936
<CHARGE-OFFS>                                                             138
<RECOVERIES>                                                               14
<ALLOWANCE-CLOSE>                                                       2,150
<ALLOWANCE-DOMESTIC>                                                    2,150
<ALLOWANCE-FOREIGN>                                                         0
<ALLOWANCE-UNALLOCATED>                                                     0


</TABLE>