<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> JUN-30-2000 <CASH> 22,189 <INT-BEARING-DEPOSITS> 4,759 <FED-FUNDS-SOLD> 49 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 216,993 <INVESTMENTS-CARRYING> 6,687 <INVESTMENTS-MARKET> 6,644 <LOANS> 576,012 <ALLOWANCE> 7,594 <TOTAL-ASSETS> 882,910 <DEPOSITS> 686,899 <SHORT-TERM> 37,943 <LIABILITIES-OTHER> 6,884 <LONG-TERM> 80,728 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 15,031 <OTHER-SE> 55,425 <TOTAL-LIABILITIES-AND-EQUITY> 882,910 <INTEREST-LOAN> 24,575 <INTEREST-INVEST> 6,967 <INTEREST-OTHER> 52 <INTEREST-TOTAL> 31,594 <INTEREST-DEPOSIT> 12,550 <INTEREST-EXPENSE> 16,062 <INTEREST-INCOME-NET> 15,532 <LOAN-LOSSES> 1,145 <SECURITIES-GAINS> 86 <EXPENSE-OTHER> 16,194 <INCOME-PRETAX> 3,873 <INCOME-PRE-EXTRAORDINARY> 3,873 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,315 <EPS-BASIC> 0.25 <EPS-DILUTED> 0.25 <YIELD-ACTUAL> 4.23 <LOANS-NON> 1,694 <LOANS-PAST> 2,057 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 7,493 <ALLOWANCE-OPEN> 6,617 <CHARGE-OFFS> 368 <RECOVERIES> 200 <ALLOWANCE-CLOSE> 7,594 <ALLOWANCE-DOMESTIC> 7,594 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0