<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> 16,705 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 500 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 227,707 <INVESTMENTS-CARRYING> 80,492 <INVESTMENTS-MARKET> 79,478 <LOANS> 231,179 <ALLOWANCE> 2,919 <TOTAL-ASSETS> 591,796 <DEPOSITS> 517,137 <SHORT-TERM> 14,613 <LIABILITIES-OTHER> 2,914 <LONG-TERM> 0 <PREFERRED-MANDATORY> 12,000 <PREFERRED> 0 <COMMON> 5,232 <OTHER-SE> 39,900 <TOTAL-LIABILITIES-AND-EQUITY> 591,796 <INTEREST-LOAN> 9,814 <INTEREST-INVEST> 9,762 <INTEREST-OTHER> 44 <INTEREST-TOTAL> 19,620 <INTEREST-DEPOSIT> 8,298 <INTEREST-EXPENSE> 8,580 <INTEREST-INCOME-NET> 11,040 <LOAN-LOSSES> 150 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 7,889 <INCOME-PRETAX> 5,551 <INCOME-PRE-EXTRAORDINARY> 5,551 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,950 <EPS-BASIC> 0.76 <EPS-DILUTED> 0.73 <YIELD-ACTUAL> 7.18 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,753 <CHARGE-OFFS> 47 <RECOVERIES> 63 <ALLOWANCE-CLOSE> 2,919 <ALLOWANCE-DOMESTIC> 2,919 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0