<TABLE> <S> <C>


<ARTICLE>                                                    9
<MULTIPLIER>                                               1,000

<S>                                                         <C>
<PERIOD-TYPE>                                             6-MOS
<FISCAL-YEAR-END>                                       DEC-31-2000
<PERIOD-END>                                            JUN-30-2000
<CASH>                                                   22,250
<INT-BEARING-DEPOSITS>                                    1,367
<FED-FUNDS-SOLD>                                          7,005
<TRADING-ASSETS>                                              0
<INVESTMENTS-HELD-FOR-SALE>                              57,543
<INVESTMENTS-CARRYING>                                        0
<INVESTMENTS-MARKET>                                          0
<LOANS>                                                 524,239
<ALLOWANCE>                                               7,720
<TOTAL-ASSETS>                                          645,130
<DEPOSITS>                                              502,644
<SHORT-TERM>                                                  0
<LIABILITIES-OTHER>                                       5,175
<LONG-TERM>                                              81,593
<PREFERRED-MANDATORY>                                         0
<PREFERRED>                                                   0
<COMMON>                                                 15,926
<OTHER-SE>                                               27,342
<TOTAL-LIABILITIES-AND-EQUITY>                          645,130
<INTEREST-LOAN>                                          23,824
<INTEREST-INVEST>                                         1,918
<INTEREST-OTHER>                                            191
<INTEREST-TOTAL>                                         25,933
<INTEREST-DEPOSIT>                                       11,143
<INTEREST-EXPENSE>                                       13,615
<INTEREST-INCOME-NET>                                    12,318
<LOAN-LOSSES>                                             1,875
<SECURITIES-GAINS>                                           49
<EXPENSE-OTHER>                                           8,729
<INCOME-PRETAX>                                           4,087
<INCOME-PRE-EXTRAORDINARY>                                4,087
<EXTRAORDINARY>                                               0
<CHANGES>                                                     0
<NET-INCOME>                                              3,412
<EPS-BASIC>                                               .49
<EPS-DILUTED>                                               .49
<YIELD-ACTUAL>                                             5.01
<LOANS-NON>                                               5,256
<LOANS-PAST>                                              1,820
<LOANS-TROUBLED>                                              0
<LOANS-PROBLEM>                                               0
<ALLOWANCE-OPEN>                                          6,863
<CHARGE-OFFS>                                             1,098
<RECOVERIES>                                                 80
<ALLOWANCE-CLOSE>                                         7,720
<ALLOWANCE-DOMESTIC>                                      7,720
<ALLOWANCE-FOREIGN>                                           0
<ALLOWANCE-UNALLOCATED>                                   2,260




</TABLE>