<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> JUN-30-2000 <CASH> 19,321 <INT-BEARING-DEPOSITS> 5,966 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 52,525 <INVESTMENTS-CARRYING> 706 <INVESTMENTS-MARKET> 691 <LOANS> 457,609 <ALLOWANCE> 4,300 <TOTAL-ASSETS> 564,644 <DEPOSITS> 478,346 <SHORT-TERM> 18,253 <LIABILITIES-OTHER> 4,602 <LONG-TERM> 678 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 49,652 <OTHER-SE> 13,113 <TOTAL-LIABILITIES-AND-EQUITY> 564,644 <INTEREST-LOAN> 21,339 <INTEREST-INVEST> 1,643 <INTEREST-OTHER> 278 <INTEREST-TOTAL> 23,260 <INTEREST-DEPOSIT> 8,802 <INTEREST-EXPENSE> 9,030 <INTEREST-INCOME-NET> 14,230 <LOAN-LOSSES> 644 <SECURITIES-GAINS> (12) <EXPENSE-OTHER> 10,368 <INCOME-PRETAX> 5,304 <INCOME-PRE-EXTRAORDINARY> 5,304 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,808 <EPS-BASIC> 0.51 <EPS-DILUTED> 0.51 <YIELD-ACTUAL> 5.83 <LOANS-NON> 5,485 <LOANS-PAST> 516 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,349 <CHARGE-OFFS> 747 <RECOVERIES> 54 <ALLOWANCE-CLOSE> 4,300 <ALLOWANCE-DOMESTIC> 4,300 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0