<ARTICLE> 9 <MULTIPLIER> 1,000 <CURRENCY> U.S. DOLLARS <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> JUN-30-2000 <EXCHANGE-RATE> 1 <CASH> 24,906 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 10,460 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 44,032 <INVESTMENTS-CARRYING> 2,625 <INVESTMENTS-MARKET> 2,621 <LOANS> 605,102 <ALLOWANCE> 10,396 <TOTAL-ASSETS> 721,613 <DEPOSITS> 581,517 <SHORT-TERM> 4,392 <LIABILITIES-OTHER> 9,962 <LONG-TERM> 62,111 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 13,637 <OTHER-SE> 49,994 <TOTAL-LIABILITIES-AND-EQUITY> 721,613 <INTEREST-LOAN> 30,066 <INTEREST-INVEST> 1,739 <INTEREST-OTHER> 427 <INTEREST-TOTAL> 32,232 <INTEREST-DEPOSIT> 11,162 <INTEREST-EXPENSE> 12,993 <INTEREST-INCOME-NET> 19,239 <LOAN-LOSSES> 2,794 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 13,202 <INCOME-PRETAX> 6,127 <INCOME-PRE-EXTRAORDINARY> 6,127 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,051 <EPS-BASIC> 2.98 <EPS-DILUTED> 2.95 <YIELD-ACTUAL> 5.90 <LOANS-NON> 3,038 <LOANS-PAST> 559 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 7,475 <ALLOWANCE-OPEN> 10,332 <CHARGE-OFFS> 3,258 <RECOVERIES> 528 <ALLOWANCE-CLOSE> 10,396 <ALLOWANCE-DOMESTIC> 10,396 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0