<TABLE> <S> <C>

<ARTICLE>                                          9
<LEGEND>
The Consolidated balance sheets and consolidated statements of operations of the
company's Form 10Q for quarter ended June 30, 2000
</LEGEND>

<S>                                                <C>
<PERIOD-TYPE>                                      6-MOS
<FISCAL-YEAR-END>                                  DEC-31-2000
<PERIOD-END>                                       JUN-30-2000
<CASH>                                                      12,004
<INT-BEARING-DEPOSITS>                                           0
<FED-FUNDS-SOLD>                                             3,397
<TRADING-ASSETS>                                                 0
<INVESTMENTS-HELD-FOR-SALE>                                 97,372
<INVESTMENTS-CARRYING>                                           0
<INVESTMENTS-MARKET>                                             0
<LOANS>                                                    204,019
<ALLOWANCE>                                                  2,921
<TOTAL-ASSETS>                                             349,871
<DEPOSITS>                                                 291,076
<SHORT-TERM>                                                24,090
<LIABILITIES-OTHER>                                          2,668
<LONG-TERM>                                                      0
<PREFERRED-MANDATORY>                                            0
<PREFERRED>                                                      0
<COMMON>                                                    25,804
<OTHER-SE>                                                   3,630
<TOTAL-LIABILITIES-AND-EQUITY>                             349,871
<INTEREST-LOAN>                                              9,282
<INTEREST-INVEST>                                            2,779
<INTEREST-OTHER>                                               342
<INTEREST-TOTAL>                                            12,403
<INTEREST-DEPOSIT>                                           4,732
<INTEREST-EXPENSE>                                           5,211
<INTEREST-INCOME-NET>                                        7,192
<LOAN-LOSSES>                                                  264
<SECURITIES-GAINS>                                               0
<EXPENSE-OTHER>                                              8,133
<INCOME-PRETAX>                                              1,140
<INCOME-PRE-EXTRAORDINARY>                                       0
<EXTRAORDINARY>                                                  0
<CHANGES>                                                        0
<NET-INCOME>                                                   787
<EPS-BASIC>                                                   0.15
<EPS-DILUTED>                                                 0.15
<YIELD-ACTUAL>                                                4.74
<LOANS-NON>                                                    297
<LOANS-PAST>                                                   108
<LOANS-TROUBLED>                                                 0
<LOANS-PROBLEM>                                                  0
<ALLOWANCE-OPEN>                                             2,645
<CHARGE-OFFS>                                                   50
<RECOVERIES>                                                    26
<ALLOWANCE-CLOSE>                                            2,921
<ALLOWANCE-DOMESTIC>                                             0
<ALLOWANCE-FOREIGN>                                              0
<ALLOWANCE-UNALLOCATED>                                          0


</TABLE>