<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 10-Q FOR
JUNE 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.


                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                          12,074
<INT-BEARING-DEPOSITS>                           1,985
<FED-FUNDS-SOLD>                                 8,140
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     67,950
<INVESTMENTS-CARRYING>                          28,989
<INVESTMENTS-MARKET>                            28,301
<LOANS>                                        262,687
<ALLOWANCE>                                      4,329
<TOTAL-ASSETS>                                 392,457
<DEPOSITS>                                     314,056
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              2,122
<LONG-TERM>                                     43,790
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            40
<OTHER-SE>                                      29,156
<TOTAL-LIABILITIES-AND-EQUITY>                 392,457
<INTEREST-LOAN>                                 11,212
<INTEREST-INVEST>                                3,108
<INTEREST-OTHER>                                   433
<INTEREST-TOTAL>                                14,754
<INTEREST-DEPOSIT>                               7,119
<INTEREST-EXPENSE>                               8,489
<INTEREST-INCOME-NET>                            6,265
<LOAN-LOSSES>                                      810
<SECURITIES-GAINS>                                  21
<EXPENSE-OTHER>                                  4,461
<INCOME-PRETAX>                                  2,748
<INCOME-PRE-EXTRAORDINARY>                       2,748
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,803
<EPS-BASIC>                                       0.46
<EPS-DILUTED>                                     0.46
<YIELD-ACTUAL>                                    3.43
<LOANS-NON>                                      9,220
<LOANS-PAST>                                       120
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  5,782
<ALLOWANCE-OPEN>                                 3,775
<CHARGE-OFFS>                                      308
<RECOVERIES>                                        52
<ALLOWANCE-CLOSE>                                4,329
<ALLOWANCE-DOMESTIC>                             4,329
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0