<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION. </LEGEND> <MULTIPLIER> 1000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> JUN-30-2000 <CASH> 8,980 <INT-BEARING-DEPOSITS> 556 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 161,274 <INVESTMENTS-CARRYING> 382,530 <INVESTMENTS-MARKET> 374,912 <LOANS> 295,232 <ALLOWANCE> 1,902 <TOTAL-ASSETS> 721,521 <DEPOSITS> 419,611 <SHORT-TERM> 69,228 <LIABILITIES-OTHER> 10,046 <LONG-TERM> 173,359 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 529 <OTHER-SE> 48,748 <TOTAL-LIABILITIES-AND-EQUITY> 721,521 <INTEREST-LOAN> 11,407 <INTEREST-INVEST> 12,783 <INTEREST-OTHER> 165 <INTEREST-TOTAL> 24,355 <INTEREST-DEPOSIT> 7,388 <INTEREST-EXPENSE> 14,531 <INTEREST-INCOME-NET> 9,824 <LOAN-LOSSES> 164 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 7,341 <INCOME-PRETAX> 3,069 <INCOME-PRE-EXTRAORDINARY> 3,069 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,086 <EPS-BASIC> .82 <EPS-DILUTED> .79 <YIELD-ACTUAL> 2.72 <LOANS-NON> 0 <LOANS-PAST> 1,322 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,970 <CHARGE-OFFS> 232 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 1,902 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,902