<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> 34,232 <INT-BEARING-DEPOSITS> 237 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 67,790 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 403,281 <ALLOWANCE> 4,088 <TOTAL-ASSETS> 533,673 <DEPOSITS> 374,537 <SHORT-TERM> 14,700 <LIABILITIES-OTHER> 3,005 <LONG-TERM> 110,320 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 890 <OTHER-SE> 22,106 <TOTAL-LIABILITIES-AND-EQUITY> 533,673 <INTEREST-LOAN> 17,751 <INTEREST-INVEST> 2,432 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 20,183 <INTEREST-DEPOSIT> 7,961 <INTEREST-EXPENSE> 10,895 <INTEREST-INCOME-NET> 9,288 <LOAN-LOSSES> 1,005 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 8,720 <INCOME-PRETAX> 3,012 <INCOME-PRE-EXTRAORDINARY> 1,839 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,839 <EPS-BASIC> 2.66 <EPS-DILUTED> 2.66 <YIELD-ACTUAL> 4.14 <LOANS-NON> 1,424 <LOANS-PAST> 346 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,273 <CHARGE-OFFS> 412 <RECOVERIES> 222 <ALLOWANCE-CLOSE> 4,088 <ALLOWANCE-DOMESTIC> 4,088 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 494