<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE FORM
10-Q FOR THE SIX MONTHS ENDED JUNE 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO THE UNAUDITED FINANCIAL STATEMENTS CONTAINED THEREIN.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                           1,074
<INT-BEARING-DEPOSITS>                           4,945
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     71,321
<INVESTMENTS-CARRYING>                             607
<INVESTMENTS-MARKET>                               615
<LOANS>                                        446,048
<ALLOWANCE>                                     (5,673)
<TOTAL-ASSETS>                                 536,919
<DEPOSITS>                                     357,739
<SHORT-TERM>                                     7,000
<LIABILITIES-OTHER>                             12,659
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            98
<OTHER-SE>                                     159,423
<TOTAL-LIABILITIES-AND-EQUITY>                 536,919
<INTEREST-LOAN>                                 16,701
<INTEREST-INVEST>                                2,661
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                19,362
<INTEREST-DEPOSIT>                               8,522
<INTEREST-EXPENSE>                               8,748
<INTEREST-INCOME-NET>                           10,614
<LOAN-LOSSES>                                       25
<SECURITIES-GAINS>                                 (21)
<EXPENSE-OTHER>                                  4,141
<INCOME-PRETAX>                                  6,597
<INCOME-PRE-EXTRAORDINARY>                       6,597
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,106
<EPS-BASIC>                                       0.45
<EPS-DILUTED>                                     0.45
<YIELD-ACTUAL>                                    7.32
<LOANS-NON>                                      2,518
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 2,051
<LOANS-PROBLEM>                                  1,935
<ALLOWANCE-OPEN>                                 5,689
<CHARGE-OFFS>                                       41
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                5,673
<ALLOWANCE-DOMESTIC>                             3,472
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,201