<ARTICLE> 9
<MULTIPLIER> 1
<CURRENCY> 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>                                          39,426
<INT-BEARING-DEPOSITS>                           7,281
<FED-FUNDS-SOLD>                                25,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    119,972
<INVESTMENTS-CARRYING>                         121,683
<INVESTMENTS-MARKET>                           119,972
<LOANS>                                        520,822
<ALLOWANCE>                                    (6,224)
<TOTAL-ASSETS>                                 730,536
<DEPOSITS>                                     575,525
<SHORT-TERM>                                    29,420
<LIABILITIES-OTHER>                              7,502
<LONG-TERM>                                     74,468
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        11,776
<OTHER-SE>                                      31,845
<TOTAL-LIABILITIES-AND-EQUITY>                 730,536
<INTEREST-LOAN>                                 18,888
<INTEREST-INVEST>                                2,497
<INTEREST-OTHER>                                 1,167
<INTEREST-TOTAL>                                22,552
<INTEREST-DEPOSIT>                               8,568
<INTEREST-EXPENSE>                              11,445
<INTEREST-INCOME-NET>                           11,107
<LOAN-LOSSES>                                      800
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 17,952
<INCOME-PRETAX>                                  5,750
<INCOME-PRE-EXTRAORDINARY>                       5,750
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,968
<EPS-BASIC>                                       0.34
<EPS-DILUTED>                                     0.33
<YIELD-ACTUAL>                                    .076
<LOANS-NON>                                      1,110
<LOANS-PAST>                                     2,016
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 5,336
<CHARGE-OFFS>                                       19
<RECOVERIES>                                       107
<ALLOWANCE-CLOSE>                                6,224
<ALLOWANCE-DOMESTIC>                             6,224
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0