<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> JUN-30-2000 <CASH> 6,435 <INT-BEARING-DEPOSITS> 282 <FED-FUNDS-SOLD> 1,875 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 81,321 <INVESTMENTS-CARRYING> 483 <INVESTMENTS-MARKET> 472 <LOANS> 130,333 <ALLOWANCE> 1,174 <TOTAL-ASSETS> 225,367 <DEPOSITS> 155,909 <SHORT-TERM> 10,170 <LIABILITIES-OTHER> 1,107 <LONG-TERM> 37,875 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 148 <OTHER-SE> 20,158 <TOTAL-LIABILITIES-AND-EQUITY> 225,367 <INTEREST-LOAN> 4,999 <INTEREST-INVEST> 2,826 <INTEREST-OTHER> 189 <INTEREST-TOTAL> 8,014 <INTEREST-DEPOSIT> 2,496 <INTEREST-EXPENSE> 3,906 <INTEREST-INCOME-NET> 4,108 <LOAN-LOSSES> 60 <SECURITIES-GAINS> (61) <EXPENSE-OTHER> 2,846 <INCOME-PRETAX> 2,081 <INCOME-PRE-EXTRAORDINARY> 2,081 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,346 <EPS-BASIC> .90 <EPS-DILUTED> .90 <YIELD-ACTUAL> 7.2 <LOANS-NON> 245 <LOANS-PAST> 236 <LOANS-TROUBLED> 11 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,160 <CHARGE-OFFS> 61 <RECOVERIES> 15 <ALLOWANCE-CLOSE> 1,174 <ALLOWANCE-DOMESTIC> 1,174 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0