<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> JUN-30-2000 <CASH> 21,131 <INT-BEARING-DEPOSITS> 30,594 <FED-FUNDS-SOLD> 11,829 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 53,406 <INVESTMENTS-CARRYING> 16,217 <INVESTMENTS-MARKET> 16,084 <LOANS> 472,546 <ALLOWANCE> 6,553 <TOTAL-ASSETS> 624,390 <DEPOSITS> 528,409 <SHORT-TERM> 45,000 <LIABILITIES-OTHER> 5,363 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 18,287 <OTHER-SE> 27,331 <TOTAL-LIABILITIES-AND-EQUITY> 624,390 <INTEREST-LOAN> 20,305 <INTEREST-INVEST> 2,138 <INTEREST-OTHER> 422 <INTEREST-TOTAL> 22,865 <INTEREST-DEPOSIT> 9,095 <INTEREST-EXPENSE> 9,778 <INTEREST-INCOME-NET> 13,087 <LOAN-LOSSES> 660 <SECURITIES-GAINS> 89 <EXPENSE-OTHER> 9,570 <INCOME-PRETAX> 5,604 <INCOME-PRE-EXTRAORDINARY> 5,604 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,728 <EPS-BASIC> 0.82 <EPS-DILUTED> 0.81 <YIELD-ACTUAL> 5.03 <LOANS-NON> 430 <LOANS-PAST> 0 <LOANS-TROUBLED> 249 <LOANS-PROBLEM> 1,250 <ALLOWANCE-OPEN> 6,078 <CHARGE-OFFS> 224 <RECOVERIES> 39 <ALLOWANCE-CLOSE> 6,553 <ALLOWANCE-DOMESTIC> 4,927 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,626