<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> JUN-30-2000 <CASH> 30,960 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 14,900 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 132,268 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 187,315 <ALLOWANCE> 7,557 <TOTAL-ASSETS> 380,613 <DEPOSITS> 345,656 <SHORT-TERM> 0 <LIABILITIES-OTHER> 3,145 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 23,506 <OTHER-SE> 8,306 <TOTAL-LIABILITIES-AND-EQUITY> 380,613 <INTEREST-LOAN> 8,475 <INTEREST-INVEST> 4,328 <INTEREST-OTHER> 851 <INTEREST-TOTAL> 13,654 <INTEREST-DEPOSIT> 4,231 <INTEREST-EXPENSE> 4,256 <INTEREST-INCOME-NET> 9,398 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 14 <EXPENSE-OTHER> 7,540 <INCOME-PRETAX> 3,376 <INCOME-PRE-EXTRAORDINARY> 3,376 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,292 <EPS-BASIC> 0.71 <EPS-DILUTED> 0.70 <YIELD-ACTUAL> 7.83 <LOANS-NON> 1,500 <LOANS-PAST> 2 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 7,825 <CHARGE-OFFS> 334 <RECOVERIES> 66 <ALLOWANCE-CLOSE> 7,557 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 7,557