<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> JUN-30-2000 <CASH> 16,118 <INT-BEARING-DEPOSITS> 572 <FED-FUNDS-SOLD> 1,426 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 87,751 <INVESTMENTS-CARRYING> 11,596 <INVESTMENTS-MARKET> 11,250 <LOANS> 449,569 <ALLOWANCE> 3,896 <TOTAL-ASSETS> 589,554 <DEPOSITS> 487,092 <SHORT-TERM> 43,742 <LIABILITIES-OTHER> 2,965 <LONG-TERM> 7,000 <PREFERRED-MANDATORY> 17,000 <PREFERRED> 0 <COMMON> 31,755 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 589,554 <INTEREST-LOAN> 17,507 <INTEREST-INVEST> 3,246 <INTEREST-OTHER> 96 <INTEREST-TOTAL> 20,849 <INTEREST-DEPOSIT> 9,007 <INTEREST-EXPENSE> 10,960 <INTEREST-INCOME-NET> 9,889 <LOAN-LOSSES> 140 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 7,837 <INCOME-PRETAX> 3,096 <INCOME-PRE-EXTRAORDINARY> 3,096 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,980 <EPS-BASIC> .47 <EPS-DILUTED> .46 <YIELD-ACTUAL> 3.71 <LOANS-NON> 691 <LOANS-PAST> 778 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,469 <ALLOWANCE-OPEN> 3,908 <CHARGE-OFFS> 193 <RECOVERIES> 41 <ALLOWANCE-CLOSE> 3,896 <ALLOWANCE-DOMESTIC> 3,896 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0