<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED STATEMENTS OF OPERATIONS AND CONSOLIDATED BALANCE SHEETS FOUND
ON PAGES 3 AND 4 OF THE COMPANY'S FORM 10-Q FOR THE YEAR-TO-DATE, 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>                                          14,159
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     90,683
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        287,850
<ALLOWANCE>                                      3,456
<TOTAL-ASSETS>                                 407,278
<DEPOSITS>                                     362,162
<SHORT-TERM>                                     6,300
<LIABILITIES-OTHER>                              3,652
<LONG-TERM>                                         37
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           656
<OTHER-SE>                                      34,471
<TOTAL-LIABILITIES-AND-EQUITY>                 407,278
<INTEREST-LOAN>                                 11,687
<INTEREST-INVEST>                                2,804
<INTEREST-OTHER>                                    29
<INTEREST-TOTAL>                                14,520
<INTEREST-DEPOSIT>                               7,439
<INTEREST-EXPENSE>                               7,538
<INTEREST-INCOME-NET>                            6,982
<LOAN-LOSSES>                                      180
<SECURITIES-GAINS>                                 173
<EXPENSE-OTHER>                                  5,328
<INCOME-PRETAX>                                  2,573
<INCOME-PRE-EXTRAORDINARY>                       2,573
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,030
<EPS-BASIC>                                       1.01
<EPS-DILUTED>                                     1.01
<YIELD-ACTUAL>                                    7.88
<LOANS-NON>                                      2,476
<LOANS-PAST>                                       891
<LOANS-TROUBLED>                                   131
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,799
<CHARGE-OFFS>                                      579
<RECOVERIES>                                        56
<ALLOWANCE-CLOSE>                                3,456
<ALLOWANCE-DOMESTIC>                             3,456
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            718


</TABLE>