<ARTICLE> 9
<LEGEND>
This schedule contains financial information from the Consolidated Balance Sheet
at  June  30,  2000(unaudited) and the Consolidated Statements of Income for the
six  months  ended  June 30, 2000(unaudited) and is qualified in its entirety by
reference  to  such  statements.
</LEGEND>
<MULTIPLIER> 1
<CURRENCY> U.S. Dollars

                                     
<PERIOD-TYPE>                           6-MOS
<FISCAL-YEAR-END>                       DEC-31-2000
<PERIOD-START>                          JAN-01-2000
<PERIOD-END>                            JUN-30-2000
<EXCHANGE-RATE>                         1
<CASH>                                        7081
<INT-BEARING-DEPOSITS>                        8272
<FED-FUNDS-SOLD>                              3280
<TRADING-ASSETS>                                 0
<INVESTMENTS-HELD-FOR-SALE>                  26693
<INVESTMENTS-CARRYING>                       26693
<INVESTMENTS-MARKET>                          1388
<LOANS>                                     157692
<ALLOWANCE>                                   2279
<TOTAL-ASSETS>                              210178
<DEPOSITS>                                  167984
<SHORT-TERM>                                  9500
<LIABILITIES-OTHER>                           2247
<LONG-TERM>                                  11000
<PREFERRED-MANDATORY>                            0
<PREFERRED>                                      0
<COMMON>                                      3422
<OTHER-SE>                                   16025
<TOTAL-LIABILITIES-AND-EQUITY>              210178
<INTEREST-LOAN>                               7846
<INTEREST-INVEST>                              784
<INTEREST-OTHER>                               149
<INTEREST-TOTAL>                              8779
<INTEREST-DEPOSIT>                            3541
<INTEREST-EXPENSE>                            3936
<INTEREST-INCOME-NET>                         4843
<LOAN-LOSSES>                                  198
<SECURITIES-GAINS>                              10
<EXPENSE-OTHER>                               3554
<INCOME-PRETAX>                               1926
<INCOME-PRE-EXTRAORDINARY>                    1926
<EXTRAORDINARY>                                  0
<CHANGES>                                        0
<NET-INCOME>                                  1321
<EPS-BASIC>                                  .40
<EPS-DILUTED>                                  .36
<YIELD-ACTUAL>                                   5
<LOANS-NON>                                    147
<LOANS-PAST>                                    73
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<ALLOWANCE-FOREIGN>                              0
<ALLOWANCE-UNALLOCATED>                          0