<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM MARCH 31,
2000 10-Q REPORT AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                          15,660
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,900
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     65,266
<INVESTMENTS-CARRYING>                          52,654
<INVESTMENTS-MARKET>                            51,901
<LOANS>                                        452,873
<ALLOWANCE>                                    (3,467)
<TOTAL-ASSETS>                                 615,046
<DEPOSITS>                                     472,226
<SHORT-TERM>                                    46,199
<LIABILITIES-OTHER>                              2,206
<LONG-TERM>                                     54,436
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,427
<OTHER-SE>                                      37,552
<TOTAL-LIABILITIES-AND-EQUITY>                 615,046
<INTEREST-LOAN>                                 17,420
<INTEREST-INVEST>                                3,638
<INTEREST-OTHER>                                   259
<INTEREST-TOTAL>                                21,317
<INTEREST-DEPOSIT>                               8,861
<INTEREST-EXPENSE>                              11,584
<INTEREST-INCOME-NET>                            9,733
<LOAN-LOSSES>                                      685
<SECURITIES-GAINS>                                (25)
<EXPENSE-OTHER>                                  8,275
<INCOME-PRETAX>                                  2,627
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,656
<EPS-BASIC>                                        .72
<EPS-DILUTED>                                      .71
<YIELD-ACTUAL>                                    3.49
<LOANS-NON>                                      2,833
<LOANS-PAST>                                        21
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,269
<CHARGE-OFFS>                                      537
<RECOVERIES>                                        50
<ALLOWANCE-CLOSE>                                3,467
<ALLOWANCE-DOMESTIC>                             3,467
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0