<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AS OF MARCH 31, 2000 AND THE CONSOLIDATED STATEMENT
OF INCOME FOR THREE MONTHS ENDED MARCH 31, 2000 AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                   1,000

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                               DEC-31-2000
<PERIOD-END>                                    JUN-30-2000
<CASH>                                                5,571
<INT-BEARING-DEPOSITS>                                  415
<FED-FUNDS-SOLD>                                          0
<TRADING-ASSETS>                                          0
<INVESTMENTS-HELD-FOR-SALE>                         123,156
<INVESTMENTS-CARRYING>                                    0
<INVESTMENTS-MARKET>                                      0
<LOANS>                                             161,542
<ALLOWANCE>                                         (1,590)
<TOTAL-ASSETS>                                      299,758
<DEPOSITS>                                          195,062
<SHORT-TERM>                                         16,800
<LIABILITIES-OTHER>                                     630
<LONG-TERM>                                          47,500
<PREFERRED-MANDATORY>                                     0
<PREFERRED>                                               0
<COMMON>                                                366
<OTHER-SE>                                           39,400
<TOTAL-LIABILITIES-AND-EQUITY>                      299,758
<INTEREST-LOAN>                                       3,361
<INTEREST-INVEST>                                     2,054
<INTEREST-OTHER>                                         11
<INTEREST-TOTAL>                                      5,426
<INTEREST-DEPOSIT>                                    1,838
<INTEREST-EXPENSE>                                    2,792
<INTEREST-INCOME-NET>                                 2,634
<LOAN-LOSSES>                                            84
<SECURITIES-GAINS>                                    (149)
<EXPENSE-OTHER>                                       1,799
<INCOME-PRETAX>                                         853
<INCOME-PRE-EXTRAORDINARY>                              617
<EXTRAORDINARY>                                           0
<CHANGES>                                                 0
<NET-INCOME>                                            617
<EPS-BASIC>                                            0.19
<EPS-DILUTED>                                          0.19
<YIELD-ACTUAL>                                         3.64
<LOANS-NON>                                             115
<LOANS-PAST>                                              0
<LOANS-TROUBLED>                                          0
<LOANS-PROBLEM>                                         811
<ALLOWANCE-OPEN>                                      1,523
<CHARGE-OFFS>                                           103
<RECOVERIES>                                             20
<ALLOWANCE-CLOSE>                                     1,590
<ALLOWANCE-DOMESTIC>                                  1,503
<ALLOWANCE-FOREIGN>                                       0
<ALLOWANCE-UNALLOCATED>                                  87



</TABLE>