<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> 16,337 <INT-BEARING-DEPOSITS> 4,376 <FED-FUNDS-SOLD> 14,950 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 19,945 <INVESTMENTS-CARRYING> 6,107 <INVESTMENTS-MARKET> 5,980 <LOANS> 476,432 <ALLOWANCE> 5,663 <TOTAL-ASSETS> 566,875 <DEPOSITS> 475,634 <SHORT-TERM> 1,959 <LIABILITIES-OTHER> 5,801 <LONG-TERM> 46,225 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3,443 <OTHER-SE> 33,783 <TOTAL-LIABILITIES-AND-EQUITY> 566,875 <INTEREST-LOAN> 22,817 <INTEREST-INVEST> 674 <INTEREST-OTHER> 714 <INTEREST-TOTAL> 24,205 <INTEREST-DEPOSIT> 10,891 <INTEREST-EXPENSE> 1,442 <INTEREST-INCOME-NET> 11,872 <LOAN-LOSSES> 1,274 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 10,094 <INCOME-PRETAX> 3,121 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,970 <EPS-BASIC> 0.29 <EPS-DILUTED> 0.28 <YIELD-ACTUAL> 4.76 <LOANS-NON> 4,596 <LOANS-PAST> 250 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 5,146 <CHARGE-OFFS> 825 <RECOVERIES> 68 <ALLOWANCE-CLOSE> 5,663 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0