<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> JUN-30-2000 <CASH> 9,300 <INT-BEARING-DEPOSITS> 2,882 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 7,407 <INVESTMENTS-CARRYING> 35,031 <INVESTMENTS-MARKET> 34,039 <LOANS> 257,936 <ALLOWANCE> 2,799 <TOTAL-ASSETS> 358,015 <DEPOSITS> 295,362 <SHORT-TERM> 24,231 <LIABILITIES-OTHER> 6,172 <LONG-TERM> 14,500 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3,944 <OTHER-SE> 13,806 <TOTAL-LIABILITIES-AND-EQUITY> 358,015 <INTEREST-LOAN> 10,847 <INTEREST-INVEST> 1,296 <INTEREST-OTHER> 793 <INTEREST-TOTAL> 12,936 <INTEREST-DEPOSIT> 7,484 <INTEREST-EXPENSE> 8,385 <INTEREST-INCOME-NET> 4,551 <LOAN-LOSSES> 100 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 6,424 <INCOME-PRETAX> 2,283 <INCOME-PRE-EXTRAORDINARY> 2,283 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,594 <EPS-BASIC> 0.62 <EPS-DILUTED> 0.60 <YIELD-ACTUAL> 3.02 <LOANS-NON> 661 <LOANS-PAST> 248 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,686 <CHARGE-OFFS> 96 <RECOVERIES> 109 <ALLOWANCE-CLOSE> 2,799 <ALLOWANCE-DOMESTIC> 2,799 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0