<ARTICLE>                                            9

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-END>                                   JUN-30-2000
<CASH>                                              11,133
<INT-BEARING-DEPOSITS>                                  93
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         63,567
<INVESTMENTS-CARRYING>                              63,567
<INVESTMENTS-MARKET>                                63,567
<LOANS>                                            192,733
<ALLOWANCE>                                          2,554
<TOTAL-ASSETS>                                     286,090
<DEPOSITS>                                         212,584
<SHORT-TERM>                                        26,650
<LIABILITIES-OTHER>                                  2,492
<LONG-TERM>                                         20,816
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                               232
<OTHER-SE>                                          23,548
<TOTAL-LIABILITIES-AND-EQUITY>                     286,090
<INTEREST-LOAN>                                      8,081
<INTEREST-INVEST>                                    2,158
<INTEREST-OTHER>                                        72
<INTEREST-TOTAL>                                    10,311
<INTEREST-DEPOSIT>                                   3,513
<INTEREST-EXPENSE>                                   4,762
<INTEREST-INCOME-NET>                                5,547
<LOAN-LOSSES>                                          100
<SECURITIES-GAINS>                                      (3)
<EXPENSE-OTHER>                                      4,333
<INCOME-PRETAX>                                      2,763
<INCOME-PRE-EXTRAORDINARY>                           2,023
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         2,023
<EPS-BASIC>                                           0.91
<EPS-DILUTED>                                         0.91
<YIELD-ACTUAL>                                        4.62
<LOANS-NON>                                            115
<LOANS-PAST>                                           435
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     2,455
<CHARGE-OFFS>                                           55
<RECOVERIES>                                             4
<ALLOWANCE-CLOSE>                                    2,554
<ALLOWANCE-DOMESTIC>                                 2,554
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                              1,639