<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>                                          23,373
<INT-BEARING-DEPOSITS>                          56,300
<FED-FUNDS-SOLD>                                 4,600
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     69,681
<INVESTMENTS-CARRYING>                          16,287
<INVESTMENTS-MARKET>                            15,931
<LOANS>                                        328,250
<ALLOWANCE>                                      4,480
<TOTAL-ASSETS>                                 513,868
<DEPOSITS>                                     171,507
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            288,414
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,000
<OTHER-SE>                                      51,947
<TOTAL-LIABILITIES-AND-EQUITY>                 513,868
<INTEREST-LOAN>                                 12,987
<INTEREST-INVEST>                                2,786
<INTEREST-OTHER>                                 1,576
<INTEREST-TOTAL>                                17,349
<INTEREST-DEPOSIT>                               2,025
<INTEREST-EXPENSE>                               2,032
<INTEREST-INCOME-NET>                           15,317
<LOAN-LOSSES>                                      250
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 20,519
<INCOME-PRETAX>                                  5,564
<INCOME-PRE-EXTRAORDINARY>                       5,564
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,576
<EPS-BASIC>                                     1.00
<EPS-DILUTED>                                      .99
<YIELD-ACTUAL>                                    6.77
<LOANS-NON>                                        989
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    994
<ALLOWANCE-OPEN>                                 4,282
<CHARGE-OFFS>                                       82
<RECOVERIES>                                        30
<ALLOWANCE-CLOSE>                                4,480
<ALLOWANCE-DOMESTIC>                                 0<F1>
<ALLOWANCE-FOREIGN>                                  0<F1>
<ALLOWANCE-UNALLOCATED>                              0<F1>
<FN>
<F1>TO BE DOCUMENTED IN DEC-31-2000 STATEMENTS.