<ARTICLE> 9 <MULTIPLIER> 1,000 <CURRENCY> US DOLLARS <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> JUN-30-2000 <EXCHANGE-RATE> 1,000 <CASH> 23,631 <INT-BEARING-DEPOSITS> 1,443 <FED-FUNDS-SOLD> 30,366 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 109,735 <INVESTMENTS-CARRYING> 20,094 <INVESTMENTS-MARKET> 19,184 <LOANS> 418,539 <ALLOWANCE> 6,703 <TOTAL-ASSETS> 638,724 <DEPOSITS> 543,832 <SHORT-TERM> 11,527 <LIABILITIES-OTHER> 7,210 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 21,582 <OTHER-SE> 34,158 <TOTAL-LIABILITIES-AND-EQUITY> 638,724 <INTEREST-LOAN> 11,269 <INTEREST-INVEST> 2,605 <INTEREST-OTHER> 3 <INTEREST-TOTAL> 13,877 <INTEREST-DEPOSIT> 4,780 <INTEREST-EXPENSE> 5,334 <INTEREST-INCOME-NET> 8,543 <LOAN-LOSSES> 125 <SECURITIES-GAINS> (587) <EXPENSE-OTHER> 4,116 <INCOME-PRETAX> 4,212 <INCOME-PRE-EXTRAORDINARY> 4,212 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,577 <EPS-BASIC> 0.70 <EPS-DILUTED> 0.67 <YIELD-ACTUAL> 0.059 <LOANS-NON> 283 <LOANS-PAST> 674 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,412 <CHARGE-OFFS> 3 <RECOVERIES> 30 <ALLOWANCE-CLOSE> 6,703 <ALLOWANCE-DOMESTIC> 6,703 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 538