<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> 15,658 <INT-BEARING-DEPOSITS> 1,243 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 132,930 <INVESTMENTS-CARRYING> 6,455 <INVESTMENTS-MARKET> 6,467 <LOANS> 377,595 <ALLOWANCE> 3,913 <TOTAL-ASSETS> 564,634 <DEPOSITS> 486,841 <SHORT-TERM> 3,190 <LIABILITIES-OTHER> 6,283 <LONG-TERM> 20,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3,694 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 564,634 <INTEREST-LOAN> 16,012 <INTEREST-INVEST> 4,153 <INTEREST-OTHER> 37 <INTEREST-TOTAL> 20,202 <INTEREST-DEPOSIT> 8,955 <INTEREST-EXPENSE> 650 <INTEREST-INCOME-NET> 10,597 <LOAN-LOSSES> 387 <SECURITIES-GAINS> (35) <EXPENSE-OTHER> 8,667 <INCOME-PRETAX> 3,547 <INCOME-PRE-EXTRAORDINARY> 2,640 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,640 <EPS-BASIC> 0.72 <EPS-DILUTED> 0.72 <YIELD-ACTUAL> 8.00 <LOANS-NON> 1,208 <LOANS-PAST> 486 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,890 <CHARGE-OFFS> 421 <RECOVERIES> 57 <ALLOWANCE-CLOSE> 3,913 <ALLOWANCE-DOMESTIC> 3,913 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0