<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> JUN-30-2000 <CASH> 27,960 <INT-BEARING-DEPOSITS> 6,198 <FED-FUNDS-SOLD> 40,808 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 93,064 <INVESTMENTS-CARRYING> 33,678 <INVESTMENTS-MARKET> 33,701 <LOANS> 477,332 <ALLOWANCE> 8,646 <TOTAL-ASSETS> 709,196 <DEPOSITS> 601,345 <SHORT-TERM> 20,525 <LIABILITIES-OTHER> 10,300 <LONG-TERM> 25,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 7,140 <OTHER-SE> 44,886 <TOTAL-LIABILITIES-AND-EQUITY> 709,196 <INTEREST-LOAN> 12,865 <INTEREST-INVEST> 1,945 <INTEREST-OTHER> 718 <INTEREST-TOTAL> 15,528 <INTEREST-DEPOSIT> 5,824 <INTEREST-EXPENSE> 6,501 <INTEREST-INCOME-NET> 9,027 <LOAN-LOSSES> 5,580 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 7,265 <INCOME-PRETAX> (1,905) <INCOME-PRE-EXTRAORDINARY> (1,905) <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (1,153) <EPS-BASIC> (.17) <EPS-DILUTED> (.17) <YIELD-ACTUAL> 5.64 <LOANS-NON> 2,510 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 7,537 <CHARGE-OFFS> 6,137 <RECOVERIES> 967 <ALLOWANCE-CLOSE> 8,646 <ALLOWANCE-DOMESTIC> 6,486 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,160