<TABLE> <S> <C>

<ARTICLE>  9
<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>                                                  32,545
<INT-BEARING-DEPOSITS>                                     399
<FED-FUNDS-SOLD>                                         5,610
<TRADING-ASSETS>                                             0
<INVESTMENTS-HELD-FOR-SALE>                             60,303
<INVESTMENTS-CARRYING>                                  32,569
<INVESTMENTS-MARKET>                                    32,300
<LOANS>                                                397,573
<ALLOWANCE>                                              5,957
<TOTAL-ASSETS>                                         553,679
<DEPOSITS>                                             478,984
<SHORT-TERM>                                            15,977
<LIABILITIES-OTHER>                                     10,716
<LONG-TERM>                                                  0
<COMMON>                                                 2,179
<PREFERRED-MANDATORY>                                   14,048
<PREFERRED>                                                  0
<OTHER-SE>                                              31,775
<TOTAL-LIABILITIES-AND-EQUITY>                         553,679
<INTEREST-LOAN>                                         19,654
<INTEREST-INVEST>                                        2,880
<INTEREST-OTHER>                                             8
<INTEREST-TOTAL>                                        22,542
<INTEREST-DEPOSIT>                                       9,996
<INTEREST-EXPENSE>                                      10,454
<INTEREST-INCOME-NET>                                   12,088
<LOAN-LOSSES>                                              694
<SECURITIES-GAINS>                                           0
<EXPENSE-OTHER>                                         13,116
<INCOME-PRETAX>                                          4,829
<INCOME-PRE-EXTRAORDINARY>                               4,829
<EXTRAORDINARY>                                              0
<CHANGES>                                                    0
<NET-INCOME>                                             3,296
<EPS-BASIC>                                               1.51
<EPS-DILUTED>                                             1.50
<YIELD-ACTUAL>                                            2.44
<LOANS-NON>                                              1,918
<LOANS-PAST>                                             1,254
<LOANS-TROUBLED>                                           765
<LOANS-PROBLEM>                                              0
<ALLOWANCE-OPEN>                                         5,682
<CHARGE-OFFS>                                              546
<RECOVERIES>                                               127
<ALLOWANCE-CLOSE>                                        5,957
<ALLOWANCE-DOMESTIC>                                         0
<ALLOWANCE-FOREIGN>                                          0
<ALLOWANCE-UNALLOCATED>                                  5,957


</TABLE>