<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> JUN-30-2000 <CASH> 10,735 <INT-BEARING-DEPOSITS> 499 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 16,245 <INVESTMENTS-CARRYING> 36,435 <INVESTMENTS-MARKET> 35,882 <LOANS> 801,395 <ALLOWANCE> 4,218 <TOTAL-ASSETS> 904,875 <DEPOSITS> 568,625 <SHORT-TERM> 79,410 <LIABILITIES-OTHER> 13,293 <LONG-TERM> 167,943 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 75,604 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 904,875 <INTEREST-LOAN> 14,459 <INTEREST-INVEST> 996 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 15,455 <INTEREST-DEPOSIT> 6,443 <INTEREST-EXPENSE> 10,034 <INTEREST-INCOME-NET> 5,421 <LOAN-LOSSES> 165 <SECURITIES-GAINS> 10 <EXPENSE-OTHER> 3,858 <INCOME-PRETAX> 2,494 <INCOME-PRE-EXTRAORDINARY> 1,720 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,720 <EPS-BASIC> .20 <EPS-DILUTED> .20 <YIELD-ACTUAL> 2.56 <LOANS-NON> 254 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,062 <CHARGE-OFFS> 17 <RECOVERIES> 8 <ALLOWANCE-CLOSE> 4,218 <ALLOWANCE-DOMESTIC> 4,218 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0