<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
QUARTERLY REPORT ON FORM 10-Q FOR THE COMPANY FOR THE PERIOD ENDED JUNE 30, 2000
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO THE  FINANCIAL  STATEMENTS  AND
OTHER INFORMATION CONTAINED IN THAT REPORT.
</LEGEND>
<MULTIPLIER>                                   1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                           DEC-31-2000
<PERIOD-END>                                JUN-30-2000
<CASH>                                           14,111
<INT-BEARING-DEPOSITS>                            1,885
<FED-FUNDS-SOLD>                                 16,351
<TRADING-ASSETS>                                      0
<INVESTMENTS-HELD-FOR-SALE>                      99,232
<INVESTMENTS-CARRYING>                            9,609
<INVESTMENTS-MARKET>                              9,373
<LOANS>                                         227,694
<ALLOWANCE>                                       2,628
<TOTAL-ASSETS>                                  387,301
<DEPOSITS>                                      338,855
<SHORT-TERM>                                      1,918
<LIABILITIES-OTHER>                               2,790
<LONG-TERM>                                           0
<PREFERRED-MANDATORY>                                 0
<PREFERRED>                                           0
<COMMON>                                         20,842
<OTHER-SE>                                       22,896
<TOTAL-LIABILITIES-AND-EQUITY>                  387,301
<INTEREST-LOAN>                                  10,946
<INTEREST-INVEST>                                 3,956
<INTEREST-OTHER>                                     41
<INTEREST-TOTAL>                                 14,943
<INTEREST-DEPOSIT>                                6,360
<INTEREST-EXPENSE>                                6,405
<INTEREST-INCOME-NET>                             8,538
<LOAN-LOSSES>                                       200
<SECURITIES-GAINS>                                    5
<EXPENSE-OTHER>                                   6,206
<INCOME-PRETAX>                                   3,329
<INCOME-PRE-EXTRAORDINARY>                        3,329
<EXTRAORDINARY>                                       0
<CHANGES>                                             0
<NET-INCOME>                                      2,414
<EPS-BASIC>                                        0.58
<EPS-DILUTED>                                      0.57
<YIELD-ACTUAL>                                     5.04
<LOANS-NON>                                       1,606
<LOANS-PAST>                                        755
<LOANS-TROUBLED>                                      0
<LOANS-PROBLEM>                                       0
<ALLOWANCE-OPEN>                                  2,663
<CHARGE-OFFS>                                       333
<RECOVERIES>                                         98
<ALLOWANCE-CLOSE>                                 2,628
<ALLOWANCE-DOMESTIC>                                  0
<ALLOWANCE-FOREIGN>                                   0
<ALLOWANCE-UNALLOCATED>                           2,628



</TABLE>