<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