<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS 6-MOS <FISCAL-YEAR-END> DEC-31-2000 DEC-31-1999 <PERIOD-START> JAN-01-2000 JAN-01-1999 <PERIOD-END> JUN-30-2000 JUN-30-1999 <CASH> 15,533 11,692 <INT-BEARING-DEPOSITS> 0 0 <FED-FUNDS-SOLD> 826 618 <TRADING-ASSETS> 0 0 <INVESTMENTS-HELD-FOR-SALE> 34,133 41,365 <INVESTMENTS-CARRYING> 0 0 <INVESTMENTS-MARKET> 0 0 <LOANS> 232,161 188,072 <ALLOWANCE> 2,009 2,478 <TOTAL-ASSETS> 296,010 252,738 <DEPOSITS> 249,156 210,430 <SHORT-TERM> 5,000 1,800 <LIABILITIES-OTHER> 1,337 603 <LONG-TERM> 13,000 11,000 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <COMMON> 4,536 4,831 <OTHER-SE> 22,981 24,074 <TOTAL-LIABILITIES-AND-EQUITY> 296,010 252,738 <INTEREST-LOAN> 0 9,798 <INTEREST-INVEST> 1,068 930 <INTEREST-OTHER> 89 90 <INTEREST-TOTAL> 12,689 10,818 <INTEREST-DEPOSIT> 3,655 2,655 <INTEREST-EXPENSE> 4,335 3,164 <INTEREST-INCOME-NET> 8,354 7,654 <LOAN-LOSSES> 700 500 <SECURITIES-GAINS> (24) 16 <EXPENSE-OTHER> 5,901 5,073 <INCOME-PRETAX> 3,463 4,199 <INCOME-PRE-EXTRAORDINARY> 0 0 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> 2,099 2,580 <EPS-BASIC> 0.46 0.54 <EPS-DILUTED> 0.46 0.53 <YIELD-ACTUAL> 6.55 6.91 <LOANS-NON> 1,609 824 <LOANS-PAST> 79 149 <LOANS-TROUBLED> 0 0 <LOANS-PROBLEM> 0 0 <ALLOWANCE-OPEN> 2,448 2,070 <CHARGE-OFFS> 1,149 103 <RECOVERIES> 10 11 <ALLOWANCE-CLOSE> 2,009 2,478 <ALLOWANCE-DOMESTIC> 0 0 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 0 0