<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE CURRENT
REPORT ON FORM 10Q FOR THE SIX MONTHS ENDED JUNE 30, 2000 IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                           8,506
<INT-BEARING-DEPOSITS>                             286
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     70,484
<INVESTMENTS-CARRYING>                          70,484
<INVESTMENTS-MARKET>                            70,484
<LOANS>                                        248,288
<ALLOWANCE>                                      2,259
<TOTAL-ASSETS>                                 349,755
<DEPOSITS>                                     242,761
<SHORT-TERM>                                    11,504
<LIABILITIES-OTHER>                              3,970
<LONG-TERM>                                     58,775
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        28,002
<OTHER-SE>                                       1,260
<TOTAL-LIABILITIES-AND-EQUITY>                 349,755
<INTEREST-LOAN>                                  9,711
<INTEREST-INVEST>                                2,184
<INTEREST-OTHER>                                   176
<INTEREST-TOTAL>                                12,071
<INTEREST-DEPOSIT>                               4,976
<INTEREST-EXPENSE>                               6,899
<INTEREST-INCOME-NET>                            5,172
<LOAN-LOSSES>                                      528
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  4,485
<INCOME-PRETAX>                                  1,912
<INCOME-PRE-EXTRAORDINARY>                       1,912
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,166
<EPS-BASIC>                                        .71
<EPS-DILUTED>                                      .71
<YIELD-ACTUAL>                                    7.47
<LOANS-NON>                                      2,303
<LOANS-PAST>                                       126
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,979
<CHARGE-OFFS>                                      258
<RECOVERIES>                                        10
<ALLOWANCE-CLOSE>                                2,259
<ALLOWANCE-DOMESTIC>                             2,259
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0