<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>                                               15,644
<INT-BEARING-DEPOSITS>                                    0
<FED-FUNDS-SOLD>                                          0
<TRADING-ASSETS>                                          0
<INVESTMENTS-HELD-FOR-SALE>                         119,692
<INVESTMENTS-CARRYING>                               27,455
<INVESTMENTS-MARKET>                                 26,915
<LOANS>                                             178,803
<ALLOWANCE>                                           3,525
<TOTAL-ASSETS>                                      353,368
<DEPOSITS>                                          296,593
<SHORT-TERM>                                          8,383
<LIABILITIES-OTHER>                                   2,888
<LONG-TERM>                                           5,000
<PREFERRED-MANDATORY>                                     0
<PREFERRED>                                               0
<COMMON>                                              4,476
<OTHER-SE>                                           36,027
<TOTAL-LIABILITIES-AND-EQUITY>                      353,368
<INTEREST-LOAN>                                       8,938
<INTEREST-INVEST>                                     4,441
<INTEREST-OTHER>                                        124
<INTEREST-TOTAL>                                     13,503
<INTEREST-DEPOSIT>                                    5,399
<INTEREST-EXPENSE>                                    5,581
<INTEREST-INCOME-NET>                                 7,922
<LOAN-LOSSES>                                           600
<SECURITIES-GAINS>                                        7
<EXPENSE-OTHER>                                       5,405
<INCOME-PRETAX>                                       3,607
<INCOME-PRE-EXTRAORDINARY>                            2,537
<EXTRAORDINARY>                                           0
<CHANGES>                                                 0
<NET-INCOME>                                          2,537
<EPS-BASIC>                                            0.72
<EPS-DILUTED>                                          0.72
<YIELD-ACTUAL>                                         5.06
<LOANS-NON>                                             552
<LOANS-PAST>                                          1,719
<LOANS-TROUBLED>                                        354
<LOANS-PROBLEM>                                           0
<ALLOWANCE-OPEN>                                      3,223
<CHARGE-OFFS>                                           558
<RECOVERIES>                                            260
<ALLOWANCE-CLOSE>                                     3,525
<ALLOWANCE-DOMESTIC>                                  3,525
<ALLOWANCE-FOREIGN>                                       0
<ALLOWANCE-UNALLOCATED>                                   0


</TABLE>