<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> JUN-30-2000 <CASH> 16,350 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 20,999 <INVESTMENTS-CARRYING> 15,879 <INVESTMENTS-MARKET> 15,556 <LOANS> 317,679 <ALLOWANCE> 3,228 <TOTAL-ASSETS> 382,483 <DEPOSITS> 315,396 <SHORT-TERM> 31,391 <LIABILITIES-OTHER> 3,336 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 346 <OTHER-SE> 32,014 <TOTAL-LIABILITIES-AND-EQUITY> 382,483 <INTEREST-LOAN> 12,357 <INTEREST-INVEST> 1,219 <INTEREST-OTHER> 19 <INTEREST-TOTAL> 13,595 <INTEREST-DEPOSIT> 5,707 <INTEREST-EXPENSE> 6,274 <INTEREST-INCOME-NET> 7,321 <LOAN-LOSSES> 84 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,665 <INCOME-PRETAX> 3,521 <INCOME-PRE-EXTRAORDINARY> 2,156 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,156 <EPS-BASIC> .79 <EPS-DILUTED> .78 <YIELD-ACTUAL> 4.20 <LOANS-NON> 408 <LOANS-PAST> 163 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 3,309 <CHARGE-OFFS> 168 <RECOVERIES> 3 <ALLOWANCE-CLOSE> 3,228 <ALLOWANCE-DOMESTIC> 3,228 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0