<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> JUN-30-2000 <CASH> 9,424 <INT-BEARING-DEPOSITS> 75 <FED-FUNDS-SOLD> 16 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 47,757 <INVESTMENTS-CARRYING> 13,232 <INVESTMENTS-MARKET> 12,888 <LOANS> 209,330 <ALLOWANCE> 2,299 <TOTAL-ASSETS> 285,080 <DEPOSITS> 221,981 <SHORT-TERM> 14,822 <LIABILITIES-OTHER> 2,210 <LONG-TERM> 25,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,805 <OTHER-SE> 19,262 <TOTAL-LIABILITIES-AND-EQUITY> 285,080 <INTEREST-LOAN> 8,433 <INTEREST-INVEST> 1,732 <INTEREST-OTHER> 48 <INTEREST-TOTAL> 10,213 <INTEREST-DEPOSIT> 4,407 <INTEREST-EXPENSE> 5,564 <INTEREST-INCOME-NET> 4,649 <LOAN-LOSSES> 300 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,236 <INCOME-PRETAX> 1,792 <INCOME-PRE-EXTRAORDINARY> 1,792 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,253 <EPS-BASIC> 1.44 <EPS-DILUTED> 1.44 <YIELD-ACTUAL> 3.77 <LOANS-NON> 640 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,155 <ALLOWANCE-OPEN> 2,099 <CHARGE-OFFS> 120 <RECOVERIES> 20 <ALLOWANCE-CLOSE> 2,299 <ALLOWANCE-DOMESTIC> 2,299 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0