<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>                                                     23,005
<INT-BEARING-DEPOSITS>                                          0
<FED-FUNDS-SOLD>                                           12,350
<TRADING-ASSETS>                                                0
<INVESTMENTS-HELD-FOR-SALE>                               118,222
<INVESTMENTS-CARRYING>                                     48,031
<INVESTMENTS-MARKET>                                       47,273
<LOANS>                                                   548,242
<ALLOWANCE>                                                 6,030
<TOTAL-ASSETS>                                            767,791
<DEPOSITS>                                                667,353
<SHORT-TERM>                                               24,007
<LIABILITIES-OTHER>                                         6,455
<LONG-TERM>                                                13,000
<COMMON>                                                    5,397
<PREFERRED-MANDATORY>                                           0
<PREFERRED>                                                     0
<OTHER-SE>                                                 51,579
<TOTAL-LIABILITIES-AND-EQUITY>                            767,791
<INTEREST-LOAN>                                            21,245
<INTEREST-INVEST>                                           5,067
<INTEREST-OTHER>                                              270
<INTEREST-TOTAL>                                           26,582
<INTEREST-DEPOSIT>                                         10,028
<INTEREST-EXPENSE>                                         11,098
<INTEREST-INCOME-NET>                                      15,484
<LOAN-LOSSES>                                                 600
<SECURITIES-GAINS>                                             97
<EXPENSE-OTHER>                                            10,532
<INCOME-PRETAX>                                             6,238
<INCOME-PRE-EXTRAORDINARY>                                  6,238
<EXTRAORDINARY>                                                 0
<CHANGES>                                                       0
<NET-INCOME>                                                4,182
<EPS-BASIC>                                                  0.64
<EPS-DILUTED>                                                0.64
<YIELD-ACTUAL>                                               4.48
<LOANS-NON>                                                   876
<LOANS-PAST>                                                    0
<LOANS-TROUBLED>                                               50
<LOANS-PROBLEM>                                                 0
<ALLOWANCE-OPEN>                                            5,476
<CHARGE-OFFS>                                                  92
<RECOVERIES>                                                   46
<ALLOWANCE-CLOSE>                                           6,030
<ALLOWANCE-DOMESTIC>                                        6,030
<ALLOWANCE-FOREIGN>                                             0
<ALLOWANCE-UNALLOCATED>                                     2,976


</TABLE>