<TABLE> <S> <C>

<ARTICLE>                                                      9
<MULTIPLIER>                                                1000


<S>                                   <C>                    <C>
<PERIOD-TYPE>                         6-MOS                  12-MOS
<FISCAL-YEAR-END>                     DEC-31-2000            DEC-31-2000
<PERIOD-END>                          JUN-30-2000            JUN-30-2000
<CASH>                                          0                  7,053
<INT-BEARING-DEPOSITS>                          0                    250
<FED-FUNDS-SOLD>                                0                  5,500
<TRADING-ASSETS>                                0                      0
<INVESTMENTS-HELD-FOR-SALE>                     0                108,823
<INVESTMENTS-CARRYING>                          0                 13,168
<INVESTMENTS-MARKET>                            0                 13,299
<LOANS>                                         0                180,906
<ALLOWANCE>                                     0                  2,772
<TOTAL-ASSETS>                                  0                331,414
<DEPOSITS>                                      0                270,900
<SHORT-TERM>                                    0                  8,924
<LIABILITIES-OTHER>                             0                  1,285
<LONG-TERM>                                     0                 18,567
<PREFERRED-MANDATORY>                           0                      0
<PREFERRED>                                     0                      0
<COMMON>                                        0                  6,004
<OTHER-SE>                                      0                 25,734
<TOTAL-LIABILITIES-AND-EQUITY>                  0                331,414
<INTEREST-LOAN>                             3,814                  7,499
<INTEREST-INVEST>                           2,016                  3,900
<INTEREST-OTHER>                              131                    235
<INTEREST-TOTAL>                            5,961                 11,634
<INTEREST-DEPOSIT>                          2,652                  5,166
<INTEREST-EXPENSE>                          2,967                  5,742
<INTEREST-INCOME-NET>                       2,994                  5,892
<LOAN-LOSSES>                                  62                     99
<SECURITIES-GAINS>                              0                      0
<EXPENSE-OTHER>                             1,923                  3,780
<INCOME-PRETAX>                             1,380                  2,729
<INCOME-PRE-EXTRAORDINARY>                    973                  1,913
<EXTRAORDINARY>                                 0                      0
<CHANGES>                                       0                      0
<NET-INCOME>                                  973                  1,913
<EPS-BASIC>                                0.41                   0.80
<EPS-DILUTED>                                0.40                   0.79
<YIELD-ACTUAL>                                  0                   3.80
<LOANS-NON>                                     0                  1,102
<LOANS-PAST>                                    0                    152
<LOANS-TROUBLED>                                0                      0
<LOANS-PROBLEM>                                 0                      0
<ALLOWANCE-OPEN>                                0                  2,697
<CHARGE-OFFS>                                   0                     61
<RECOVERIES>                                    0                     37
<ALLOWANCE-CLOSE>                               0                  2,772
<ALLOWANCE-DOMESTIC>                            0                  2,422
<ALLOWANCE-FOREIGN>                             0                      0
<ALLOWANCE-UNALLOCATED>                         0                    350




</TABLE>