<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>                                                                12,230
<INT-BEARING-DEPOSITS>                                                     0
<FED-FUNDS-SOLD>                                                         191
<TRADING-ASSETS>                                                           0
<INVESTMENTS-HELD-FOR-SALE>                                           54,054
<INVESTMENTS-CARRYING>                                                 4,947
<INVESTMENTS-MARKET>                                                   4,796
<LOANS>                                                              547,649
<ALLOWANCE>                                                            6,470
<TOTAL-ASSETS>                                                       640,848
<DEPOSITS>                                                           501,113
<SHORT-TERM>                                                          82,371
<LIABILITIES-OTHER>                                                    8,803
<LONG-TERM>                                                                0
<PREFERRED-MANDATORY>                                                      0
<PREFERRED>                                                                0
<COMMON>                                                               2,701
<OTHER-SE>                                                            45,860
<TOTAL-LIABILITIES-AND-EQUITY>                                       640,848
<INTEREST-LOAN>                                                       23,511
<INTEREST-INVEST>                                                      1,816
<INTEREST-OTHER>                                                         221
<INTEREST-TOTAL>                                                      25,548
<INTEREST-DEPOSIT>                                                    11,092
<INTEREST-EXPENSE>                                                    13,152
<INTEREST-INCOME-NET>                                                 12,396
<LOAN-LOSSES>                                                            858
<SECURITIES-GAINS>                                                         0
<EXPENSE-OTHER>                                                        7,439
<INCOME-PRETAX>                                                        5,367
<INCOME-PRE-EXTRAORDINARY>                                             5,367
<EXTRAORDINARY>                                                            0
<CHANGES>                                                                  0
<NET-INCOME>                                                           3,571
<EPS-BASIC>                                                              .67
<EPS-DILUTED>                                                            .67
<YIELD-ACTUAL>                                                          4.20
<LOANS-NON>                                                              853
<LOANS-PAST>                                                             741
<LOANS-TROUBLED>                                                           0
<LOANS-PROBLEM>                                                            0
<ALLOWANCE-OPEN>                                                       6,133
<CHARGE-OFFS>                                                            659
<RECOVERIES>                                                             138
<ALLOWANCE-CLOSE>                                                      6,470
<ALLOWANCE-DOMESTIC>                                                   6,470
<ALLOWANCE-FOREIGN>                                                        0
<ALLOWANCE-UNALLOCATED>                                                    0



</TABLE>