<TABLE> <S> <C>

<ARTICLE>       9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
Consolidated  Balance Sheet at June 30, 2000,  (unaudited) and the  Consolidated
Statement of Income for the three 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-END>                                       JUN-30-2000
<CASH>                                                   1,027
<INT-BEARING-DEPOSITS>                                 167,869
<FED-FUNDS-SOLD>                                         4,850
<TRADING-ASSETS>                                             0
<INVESTMENTS-HELD-FOR-SALE>                             33,887
<INVESTMENTS-CARRYING>                                   3,747
<INVESTMENTS-MARKET>                                     3,738
<LOANS>                                                187,999
<ALLOWANCE>                                              1,812
<TOTAL-ASSETS>                                         248,231
<DEPOSITS>                                             198,017
<SHORT-TERM>                                            16,461
<LIABILITIES-OTHER>                                        245
<LONG-TERM>                                                  0
<PREFERRED-MANDATORY>                                        0
<PREFERRED>                                                  0
<COMMON>                                                 5,028
<OTHER-SE>                                              19,141
<TOTAL-LIABILITIES-AND-EQUITY>                         248,231
<INTEREST-LOAN>                                          7,505
<INTEREST-INVEST>                                        1,392
<INTEREST-OTHER>                                             0
<INTEREST-TOTAL>                                         8,897
<INTEREST-DEPOSIT>                                       3,774
<INTEREST-EXPENSE>                                       4,250
<INTEREST-INCOME-NET>                                    4,647
<LOAN-LOSSES>                                              318
<SECURITIES-GAINS>                                           0
<EXPENSE-OTHER>                                          3,739
<INCOME-PRETAX>                                          1,683
<INCOME-PRE-EXTRAORDINARY>                               1,683
<EXTRAORDINARY>                                              0
<CHANGES>                                                    0
<NET-INCOME>                                             1,108
<EPS-BASIC>                                               0.37
<EPS-DILUTED>                                             0.35
<YIELD-ACTUAL>                                            4.37
<LOANS-NON>                                                703
<LOANS-PAST>                                                 0
<LOANS-TROUBLED>                                             0
<LOANS-PROBLEM>                                              0
<ALLOWANCE-OPEN>                                         1,581
<CHARGE-OFFS>                                               92
<RECOVERIES>                                                 5
<ALLOWANCE-CLOSE>                                        1,812
<ALLOWANCE-DOMESTIC>                                     1,812
<ALLOWANCE-FOREIGN>                                          0
<ALLOWANCE-UNALLOCATED>                                      0


</TABLE>