<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> JUN-30-2000 <CASH> 27,823 <INT-BEARING-DEPOSITS> 588 <FED-FUNDS-SOLD> 9,905 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 103,759 <INVESTMENTS-CARRYING> 114,018 <INVESTMENTS-MARKET> 113,786 <LOANS> 424,250 <ALLOWANCE> 6,351 <TOTAL-ASSETS> 713,855 <DEPOSITS> 623,438 <SHORT-TERM> 8,255 <LIABILITIES-OTHER> 4,881 <LONG-TERM> 23,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 2,360 <COMMON> 591 <OTHER-SE> 51,330 <TOTAL-LIABILITIES-AND-EQUITY> 713,855 <INTEREST-LOAN> 17,458 <INTEREST-INVEST> 6,071 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 23,529 <INTEREST-DEPOSIT> 10,065 <INTEREST-EXPENSE> 1,195 <INTEREST-INCOME-NET> 12,269 <LOAN-LOSSES> 150 <SECURITIES-GAINS> (843) <EXPENSE-OTHER> 11,983 <INCOME-PRETAX> 2,172 <INCOME-PRE-EXTRAORDINARY> 2,172 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,712 <EPS-BASIC> 12.83 <EPS-DILUTED> 12.83 <YIELD-ACTUAL> 7.51 <LOANS-NON> 272 <LOANS-PAST> 1,632 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 6,188 <CHARGE-OFFS> 155 <RECOVERIES> 168 <ALLOWANCE-CLOSE> 6,351 <ALLOWANCE-DOMESTIC> 6,351 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0