<TABLE> <S> <C>

<ARTICLE>       9
<LEGEND>
This schedule contains summary financial information extracted from the
Consolidated Balance Sheet and the Consolidated Statement of Income filed as
part of the annual report on Form 10-K and is qualified in its entirety by
reference to such annual report on Form 10-K.
</LEGEND>
<MULTIPLIER>  1,000

<S>                                                                <C>
<PERIOD-TYPE>                                                             6-MOS
<FISCAL-YEAR-END>                                                   DEC-31-2000
<PERIOD-END>                                                        JUN-30-2000
<CASH>                                                                  16,485
<INT-BEARING-DEPOSITS>                                                   1,102
<FED-FUNDS-SOLD>                                                             0
<TRADING-ASSETS>                                                             0
<INVESTMENTS-HELD-FOR-SALE>                                             31,819
<INVESTMENTS-CARRYING>                                                  11,684
<INVESTMENTS-MARKET>                                                    11,208
<LOANS>                                                                467,990
<ALLOWANCE>                                                              3,342
<TOTAL-ASSETS>                                                         565,973
<DEPOSITS>                                                             392,777
<SHORT-TERM>                                                                 0
<LIABILITIES-OTHER>                                                      7,700
<LONG-TERM>                                                             66,473
<PREFERRED-MANDATORY>                                                        0
<PREFERRED>                                                                  0
<COMMON>                                                                    58
<OTHER-SE>                                                              98,964
<TOTAL-LIABILITIES-AND-EQUITY>                                         565,973
<INTEREST-LOAN>                                                         17,744
<INTEREST-INVEST>                                                        1,647
<INTEREST-OTHER>                                                            30
<INTEREST-TOTAL>                                                        19,421
<INTEREST-DEPOSIT>                                                       7,953
<INTEREST-EXPENSE>                                                       1,769
<INTEREST-INCOME-NET>                                                    9,700
<LOAN-LOSSES>                                                              342
<SECURITIES-GAINS>                                                           0
<EXPENSE-OTHER>                                                          6,477
<INCOME-PRETAX>                                                          4,615
<INCOME-PRE-EXTRAORDINARY>                                               3,076
<EXTRAORDINARY>                                                              0
<CHANGES>                                                                    0
<NET-INCOME>                                                             3,076
<EPS-BASIC>                                                              .57
<EPS-DILUTED>                                                              .57
<YIELD-ACTUAL>                                                            3.84
<LOANS-NON>                                                                416
<LOANS-PAST>                                                               105
<LOANS-TROUBLED>                                                             0
<LOANS-PROBLEM>                                                          3,324
<ALLOWANCE-OPEN>                                                         3,652
<CHARGE-OFFS>                                                               69
<RECOVERIES>                                                                41
<ALLOWANCE-CLOSE>                                                        3,342
<ALLOWANCE-DOMESTIC>                                                     3,342
<ALLOWANCE-FOREIGN>                                                          0
<ALLOWANCE-UNALLOCATED>                                                    108



</TABLE>