<ARTICLE> 9 <MULTIPLIER> 1,000 <CURRENCY> US DOLLARS <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> JUN-30-2000 <EXCHANGE-RATE> 1 <CASH> 29,148 <INT-BEARING-DEPOSITS> 350 <FED-FUNDS-SOLD> 16,880 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 145,646 <INVESTMENTS-CARRYING> 31,875 <INVESTMENTS-MARKET> 31,144 <LOANS> 368,501 <ALLOWANCE> 6,925 <TOTAL-ASSETS> 627,547 <DEPOSITS> 547,978 <SHORT-TERM> 24,100 <LIABILITIES-OTHER> 5,411 <LONG-TERM> 3,182 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 35,742 <OTHER-SE> 11,134 <TOTAL-LIABILITIES-AND-EQUITY> 627,547 <INTEREST-LOAN> 17,721 <INTEREST-INVEST> 5,557 <INTEREST-OTHER> 316 <INTEREST-TOTAL> 23,594 <INTEREST-DEPOSIT> 8,553 <INTEREST-EXPENSE> 9,345 <INTEREST-INCOME-NET> 14,249 <LOAN-LOSSES> 1,531 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 10,798 <INCOME-PRETAX> 4,711 <INCOME-PRE-EXTRAORDINARY> 3,314 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,314 <EPS-BASIC> 0.73 <EPS-DILUTED> 0.71 <YIELD-ACTUAL> 5.43 <LOANS-NON> 1,578 <LOANS-PAST> 27 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,542 <CHARGE-OFFS> 1,351 <RECOVERIES> 203 <ALLOWANCE-CLOSE> 6,925 <ALLOWANCE-DOMESTIC> 6,925 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0