<TABLE> <S> <C>


<ARTICLE>                     9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated  Condensed  Statements of Condition as of June 30, 2000 (unaudited)
and the  Consolidated  Condensed  Statements  of Income for the six months ended
June 30, 2000  (unaudited) 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>                                              13,151
<INT-BEARING-DEPOSITS>                                   5
<FED-FUNDS-SOLD>                                    17,450
<TRADING-ASSETS>                                       207
<INVESTMENTS-HELD-FOR-SALE>                        228,786
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                            323,727
<ALLOWANCE>                                         (5,828)
<TOTAL-ASSETS>                                     605,181
<DEPOSITS>                                         386,658
<SHORT-TERM>                                        98,509
<LIABILITIES-OTHER>                                 11,908
<LONG-TERM>                                         67,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                             5,895
<OTHER-SE>                                          35,211
<TOTAL-LIABILITIES-AND-EQUITY>                     605,181
<INTEREST-LOAN>                                     12,978
<INTEREST-INVEST>                                    8,092
<INTEREST-OTHER>                                       333
<INTEREST-TOTAL>                                    21,403
<INTEREST-DEPOSIT>                                   5,974
<INTEREST-EXPENSE>                                  11,053
<INTEREST-INCOME-NET>                               10,350
<LOAN-LOSSES>                                          236
<SECURITIES-GAINS>                                     277
<EXPENSE-OTHER>                                      5,849
<INCOME-PRETAX>                                      6,023
<INCOME-PRE-EXTRAORDINARY>                           6,023
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         4,227
<EPS-BASIC>                                            .81
<EPS-DILUTED>                                          .77
<YIELD-ACTUAL>                                        3.65
<LOANS-NON>                                            954
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                       500
<LOANS-PROBLEM>                                      5,801
<ALLOWANCE-OPEN>                                     5,681
<CHARGE-OFFS>                                          191
<RECOVERIES>                                           102
<ALLOWANCE-CLOSE>                                    5,828
<ALLOWANCE-DOMESTIC>                                 4,387
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                              1,441



</TABLE>