<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEETS AND CONSOLIDATED STATEMENTS OF OPERATIONS AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                          11,120
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     36,737
<INVESTMENTS-CARRYING>                          38,281
<INVESTMENTS-MARKET>                            37,804
<LOANS>                                        246,039
<ALLOWANCE>                                      3,089
<TOTAL-ASSETS>                                 349,750
<DEPOSITS>                                     283,994
<SHORT-TERM>                                    25,343
<LIABILITIES-OTHER>                              2,374
<LONG-TERM>                                      2,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        23,885
<OTHER-SE>                                      12,154
<TOTAL-LIABILITIES-AND-EQUITY>                 349,750
<INTEREST-LOAN>                                 10,400
<INTEREST-INVEST>                                2,002
<INTEREST-OTHER>                                    41
<INTEREST-TOTAL>                                12,443
<INTEREST-DEPOSIT>                               4,718
<INTEREST-EXPENSE>                               5,152
<INTEREST-INCOME-NET>                            7,291
<LOAN-LOSSES>                                      175
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  5,609
<INCOME-PRETAX>                                  2,630
<INCOME-PRE-EXTRAORDINARY>                       1,744
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,744
<EPS-BASIC>                                        .91
<EPS-DILUTED>                                      .91
<YIELD-ACTUAL>                                    4.59
<LOANS-NON>                                        541
<LOANS-PAST>                                     1,224
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  1,116
<ALLOWANCE-OPEN>                                 3,196
<CHARGE-OFFS>                                      465
<RECOVERIES>                                       183
<ALLOWANCE-CLOSE>                                3,089
<ALLOWANCE-DOMESTIC>                             3,089
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0