<ARTICLE> 9 <LEGEND> THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM JUNE 30, 2000 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS. </LEGEND> <MULTIPLIER> 1,000 <CURRENCY> U.S. DOLLARS <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> APR-01-2000 <PERIOD-END> JUN-30-2000 <EXCHANGE-RATE> 1 <CASH> 12,013 <INT-BEARING-DEPOSITS> 8,697 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 70,175 <INVESTMENTS-CARRYING> 7,044 <INVESTMENTS-MARKET> 7,284 <LOANS> 319,131 <ALLOWANCE> 4,516 <TOTAL-ASSETS> 423,437 <DEPOSITS> 373,457 <SHORT-TERM> 8,056 <LIABILITIES-OTHER> 6,572 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 809 <OTHER-SE> 34,543 <TOTAL-LIABILITIES-AND-EQUITY> 423,437 <INTEREST-LOAN> 6,753 <INTEREST-INVEST> 1,442 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 8,195 <INTEREST-DEPOSIT> 3,047 <INTEREST-EXPENSE> 3,135 <INTEREST-INCOME-NET> 5,060 <LOAN-LOSSES> 114 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,857 <INCOME-PRETAX> 2,456 <INCOME-PRE-EXTRAORDINARY> 2,456 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,651 <EPS-BASIC> .23 <EPS-DILUTED> .22 <YIELD-ACTUAL> 5.10 <LOANS-NON> 0 <LOANS-PAST> 4 <LOANS-TROUBLED> 1,020 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,396 <CHARGE-OFFS> 14 <RECOVERIES> 20 <ALLOWANCE-CLOSE> 4,516 <ALLOWANCE-DOMESTIC> 4,516 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0