<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> 13,049 <INT-BEARING-DEPOSITS> 7,096 <FED-FUNDS-SOLD> 17,490 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 61,383 <INVESTMENTS-CARRYING> 710 <INVESTMENTS-MARKET> 697 <LOANS> 362,704 <ALLOWANCE> 5,087 <TOTAL-ASSETS> 480,364 <DEPOSITS> 406,929 <SHORT-TERM> 17,400 <LIABILITIES-OTHER> 3,410 <LONG-TERM> 15,569 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 4,440 <OTHER-SE> 32,616 <TOTAL-LIABILITIES-AND-EQUITY> 480,364 <INTEREST-LOAN> 16,729 <INTEREST-INVEST> 1,829 <INTEREST-OTHER> 723 <INTEREST-TOTAL> 19,281 <INTEREST-DEPOSIT> 9,068 <INTEREST-EXPENSE> 9,945 <INTEREST-INCOME-NET> 9,336 <LOAN-LOSSES> 1,082 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 6,435 <INCOME-PRETAX> 3,501 <INCOME-PRE-EXTRAORDINARY> 3,501 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,358 <EPS-BASIC> 0.53 <EPS-DILUTED> 0.53 <YIELD-ACTUAL> 4.44 <LOANS-NON> 4,931 <LOANS-PAST> 383 <LOANS-TROUBLED> 229 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,682 <CHARGE-OFFS> 793 <RECOVERIES> 116 <ALLOWANCE-CLOSE> 5,087 <ALLOWANCE-DOMESTIC> 5,087 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0