<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> Dec-31-2000 <PERIOD-END> Jun-30-2000 <CASH> 13179 <INT-BEARING-DEPOSITS> 816 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 118867 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 300093 <ALLOWANCE> 3839 <TOTAL-ASSETS> 453250 <DEPOSITS> 338219 <SHORT-TERM> 50899 <LIABILITIES-OTHER> 2760 <LONG-TERM> 21183 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3045 <OTHER-SE> 37144 <TOTAL-LIABILITIES-AND-EQUITY> 453250 <INTEREST-LOAN> 12081 <INTEREST-INVEST> 3763 <INTEREST-OTHER> 38 <INTEREST-TOTAL> 15882 <INTEREST-DEPOSIT> 6559 <INTEREST-EXPENSE> 1915 <INTEREST-INCOME-NET> 7408 <LOAN-LOSSES> 392 <SECURITIES-GAINS> 217 <EXPENSE-OTHER> 6537 <INCOME-PRETAX> 2861 <INCOME-PRE-EXTRAORDINARY> 2861 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2364 <EPS-BASIC> 0.87 <EPS-DILUTED> 0.86 <YIELD-ACTUAL> 7.81 <LOANS-NON> 586 <LOANS-PAST> 520 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3859 <CHARGE-OFFS> 506 <RECOVERIES> 94 <ALLOWANCE-CLOSE> 3839 <ALLOWANCE-DOMESTIC> 3839 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0