<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> 25,905 <INT-BEARING-DEPOSITS> 5,217 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 161,341 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 576,737 <ALLOWANCE> 10,241 <TOTAL-ASSETS> 802,879 <DEPOSITS> 656,764 <SHORT-TERM> 48,061 <LIABILITIES-OTHER> 6,269 <LONG-TERM> 16,364 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 9,138 <OTHER-SE> 66,283 <TOTAL-LIABILITIES-AND-EQUITY> 802,879 <INTEREST-LOAN> 27,899 <INTEREST-INVEST> 4,628 <INTEREST-OTHER> 392 <INTEREST-TOTAL> 32,919 <INTEREST-DEPOSIT> 12,308 <INTEREST-EXPENSE> 13,876 <INTEREST-INCOME-NET> 19,043 <LOAN-LOSSES> 649 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 15,346 <INCOME-PRETAX> 7,165 <INCOME-PRE-EXTRAORDINARY> 7,165 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,843 <EPS-BASIC> .57 <EPS-DILUTED> .56 <YIELD-ACTUAL> 5.43 <LOANS-NON> 6,246 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 6,246 <ALLOWANCE-OPEN> 9,895 <CHARGE-OFFS> 829 <RECOVERIES> 526 <ALLOWANCE-CLOSE> 10,241 <ALLOWANCE-DOMESTIC> 10,241 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 10,241