<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<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>                                          21,245
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     97,377
<INVESTMENTS-CARRYING>                          32,557
<INVESTMENTS-MARKET>                            32,042
<LOANS>                                        313,781
<ALLOWANCE>                                      3,131
<TOTAL-ASSETS>                                 475,646
<DEPOSITS>                                     407,243
<SHORT-TERM>                                    22,400
<LIABILITIES-OTHER>                                796
<LONG-TERM>                                      3,714
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         3,779
<OTHER-SE>                                      37,714
<TOTAL-LIABILITIES-AND-EQUITY>                 475,646
<INTEREST-LOAN>                                 12,734
<INTEREST-INVEST>                                4,048
<INTEREST-OTHER>                                    85
<INTEREST-TOTAL>                                16,867
<INTEREST-DEPOSIT>                               8,170
<INTEREST-EXPENSE>                               8,757
<INTEREST-INCOME-NET>                            8,110
<LOAN-LOSSES>                                      502
<SECURITIES-GAINS>                                (23)
<EXPENSE-OTHER>                                  6,387
<INCOME-PRETAX>                                  3,313
<INCOME-PRE-EXTRAORDINARY>                       2,282
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     2,282
<EPS-BASIC>                                        .55
<EPS-DILUTED>                                      .55
<YIELD-ACTUAL>                                    3.89
<LOANS-NON>                                        892
<LOANS-PAST>                                       232
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,793
<CHARGE-OFFS>                                      230
<RECOVERIES>                                        66
<ALLOWANCE-CLOSE>                                3,131
<ALLOWANCE-DOMESTIC>                             2,404
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            727


</TABLE>