<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> 19,406 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 74,478 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 329,519 <ALLOWANCE> 3,828 <TOTAL-ASSETS> 443,084 <DEPOSITS> 369,234 <SHORT-TERM> 16,200 <LIABILITIES-OTHER> 2,743 <LONG-TERM> 12,328 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 28,207 <OTHER-SE> 14,372 <TOTAL-LIABILITIES-AND-EQUITY> 443,084 <INTEREST-LOAN> 13,995 <INTEREST-INVEST> 2,262 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 16,257 <INTEREST-DEPOSIT> 6,611 <INTEREST-EXPENSE> 7,472 <INTEREST-INCOME-NET> 8,785 <LOAN-LOSSES> 708 <SECURITIES-GAINS> 4 <EXPENSE-OTHER> 7,962 <INCOME-PRETAX> 3,883 <INCOME-PRE-EXTRAORDINARY> 2,803 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,803 <EPS-BASIC> 1.46 <EPS-DILUTED> 1.46 <YIELD-ACTUAL> 4.58 <LOANS-NON> 864 <LOANS-PAST> 564 <LOANS-TROUBLED> 133 <LOANS-PROBLEM> 189 <ALLOWANCE-OPEN> 3,300 <CHARGE-OFFS> 185 <RECOVERIES> 105 <ALLOWANCE-CLOSE> 3,828 <ALLOWANCE-DOMESTIC> 2,814 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,014