<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-Q 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>                                          13,385
<INT-BEARING-DEPOSITS>                          11,970
<FED-FUNDS-SOLD>                                 2,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      8,517
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        189,696
<ALLOWANCE>                                      2,752
<TOTAL-ASSETS>                                 230,296
<DEPOSITS>                                     191,884
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,301
<LONG-TERM>                                     16,975
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        13,834
<OTHER-SE>                                       6,302
<TOTAL-LIABILITIES-AND-EQUITY>                 230,296
<INTEREST-LOAN>                                  8,065
<INTEREST-INVEST>                                  273
<INTEREST-OTHER>                                   352
<INTEREST-TOTAL>                                 8,690
<INTEREST-DEPOSIT>                               3,791
<INTEREST-EXPENSE>                               4,196
<INTEREST-INCOME-NET>                            4,495
<LOAN-LOSSES>                                      202
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,347
<INCOME-PRETAX>                                  2,159
<INCOME-PRE-EXTRAORDINARY>                       1,411
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,411
<EPS-BASIC>                                       1.06
<EPS-DILUTED>                                     0.99
<YIELD-ACTUAL>                                    4.38
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    711
<ALLOWANCE-OPEN>                                 2,550
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                2,752
<ALLOWANCE-DOMESTIC>                             2,095
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            657


</TABLE>