<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 10-Q FOR JUNE 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> JUN-30-2000 <CASH> 12,074 <INT-BEARING-DEPOSITS> 1,985 <FED-FUNDS-SOLD> 8,140 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 67,950 <INVESTMENTS-CARRYING> 28,989 <INVESTMENTS-MARKET> 28,301 <LOANS> 262,687 <ALLOWANCE> 4,329 <TOTAL-ASSETS> 392,457 <DEPOSITS> 314,056 <SHORT-TERM> 0 <LIABILITIES-OTHER> 2,122 <LONG-TERM> 43,790 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 40 <OTHER-SE> 29,156 <TOTAL-LIABILITIES-AND-EQUITY> 392,457 <INTEREST-LOAN> 11,212 <INTEREST-INVEST> 3,108 <INTEREST-OTHER> 433 <INTEREST-TOTAL> 14,754 <INTEREST-DEPOSIT> 7,119 <INTEREST-EXPENSE> 8,489 <INTEREST-INCOME-NET> 6,265 <LOAN-LOSSES> 810 <SECURITIES-GAINS> 21 <EXPENSE-OTHER> 4,461 <INCOME-PRETAX> 2,748 <INCOME-PRE-EXTRAORDINARY> 2,748 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,803 <EPS-BASIC> 0.46 <EPS-DILUTED> 0.46 <YIELD-ACTUAL> 3.43 <LOANS-NON> 9,220 <LOANS-PAST> 120 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 5,782 <ALLOWANCE-OPEN> 3,775 <CHARGE-OFFS> 308 <RECOVERIES> 52 <ALLOWANCE-CLOSE> 4,329 <ALLOWANCE-DOMESTIC> 4,329 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0