<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> JUN-30-2000 <CASH> 7,061 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 6,699 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 40,078 <INVESTMENTS-CARRYING> 27,670 <INVESTMENTS-MARKET> 26,659 <LOANS> 205,191 <ALLOWANCE> 1,811 <TOTAL-ASSETS> 294,615 <DEPOSITS> 225,055 <SHORT-TERM> 16,000 <LIABILITIES-OTHER> 4,344 <LONG-TERM> 32,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 253 <OTHER-SE> 16,963 <TOTAL-LIABILITIES-AND-EQUITY> 294,615 <INTEREST-LOAN> 7,139 <INTEREST-INVEST> 2,313 <INTEREST-OTHER> 192 <INTEREST-TOTAL> 9,644 <INTEREST-DEPOSIT> 3,800 <INTEREST-EXPENSE> 5,240 <INTEREST-INCOME-NET> 4,404 <LOAN-LOSSES> 30 <SECURITIES-GAINS> 2 <EXPENSE-OTHER> 3,432 <INCOME-PRETAX> 1,848 <INCOME-PRE-EXTRAORDINARY> 1,391 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,391 <EPS-BASIC> .56 <EPS-DILUTED> .55 <YIELD-ACTUAL> 7.05 <LOANS-NON> 29 <LOANS-PAST> 0 <LOANS-TROUBLED> 38 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,798 <CHARGE-OFFS> 34 <RECOVERIES> 17 <ALLOWANCE-CLOSE> 1,811 <ALLOWANCE-DOMESTIC> 1,819 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 37