<TABLE> <S> <C>

<ARTICLE>                        9
<LEGEND>
This schedule of financial information is extracted from the June 30, 2000
10-Q and is qualified in its entirety by reference to such 10-Q
</LEGEND>
<CIK>                                                               0000796534
<NAME>                          J. Robert Buchanan C.F.O. 540-951-6283
<MULTIPLIER>                                                             1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>               DEC-31-2000
<PERIOD-END>                    JUN-30-2000
<CASH>                                                                  13,116
<INT-BEARING-DEPOSITS>                                                  10,074
<FED-FUNDS-SOLD>                                                           150
<TRADING-ASSETS>                                                             0
<INVESTMENTS-HELD-FOR-SALE>                                            120,324
<INVESTMENTS-CARRYING>                                                  21,855
<INVESTMENTS-MARKET>                                                    21,618
<LOANS>                                                                311,210
<ALLOWANCE>                                                              3,545
<TOTAL-ASSETS>                                                         491,541
<DEPOSITS>                                                             424,776
<SHORT-TERM>                                                               514
<LIABILITIES-OTHER>                                                      1,297
<LONG-TERM>                                                             10,000
<PREFERRED-MANDATORY>                                                        0
<PREFERRED>                                                                  0
<COMMON>                                                                 8,782
<OTHER-SE>                                                              46,172
<TOTAL-LIABILITIES-AND-EQUITY>                                         491,541
<INTEREST-LOAN>                                                         13,385
<INTEREST-INVEST>                                                        4,444
<INTEREST-OTHER>                                                           301
<INTEREST-TOTAL>                                                        18,130
<INTEREST-DEPOSIT>                                                       7,815
<INTEREST-EXPENSE>                                                       8,160
<INTEREST-INCOME-NET>                                                    9,970
<LOAN-LOSSES>                                                              666
<SECURITIES-GAINS>                                                           0
<EXPENSE-OTHER>                                                          6,085
<INCOME-PRETAX>                                                          5,106
<INCOME-PRE-EXTRAORDINARY>                                               5,106
<EXTRAORDINARY>                                                              0
<CHANGES>                                                                    0
<NET-INCOME>                                                             3,721
<EPS-BASIC>                                                               1.06
<EPS-DILUTED>                                                             1.06
<YIELD-ACTUAL>                                                               0
<LOANS-NON>                                                                  0
<LOANS-PAST>                                                                 0
<LOANS-TROUBLED>                                                             0
<LOANS-PROBLEM>                                                              0
<ALLOWANCE-OPEN>                                                             0
<CHARGE-OFFS>                                                                0
<RECOVERIES>                                                                 0
<ALLOWANCE-CLOSE>                                                            0
<ALLOWANCE-DOMESTIC>                                                         0
<ALLOWANCE-FOREIGN>                                                          0
<ALLOWANCE-UNALLOCATED>                                                      0


</TABLE>