<ARTICLE>  9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE BALANCE
SHEET AND INCOME STATEMENT AND FROM THE MANAGEMENT DISCUSSION AND ANALYSIS AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS AND
MANAGEMENT DISCUSSION.


                                                                 
<MULTIPLIER>                                                        1,000
<PERIOD-TYPE>                                                       6-Mos
<FISCAL-YEAR-END>                                             Dec-31-1999
<PERIOD-END>                                                  Jun-30-2000
<CASH>                                                             14,775
<INT-BEARING-DEPOSITS>                                                100
<FED-FUNDS-SOLD>                                                     2890
<TRADING-ASSETS>                                                        0
<INVESTMENTS-HELD-FOR-SALE>                                        54,585
<INVESTMENTS-CARRYING>                                              4,643
<INVESTMENTS-MARKET>                                                4,588
<LOANS>                                                           396,242
<ALLOWANCE>                                                         4,220
<TOTAL-ASSETS>                                                    486,626
<DEPOSITS>                                                        352,414
<SHORT-TERM>                                                       26,750
<LIABILITIES-OTHER>                                                 4,541
<LONG-TERM>                                                        54,528
<PREFERRED-MANDATORY>                                                   0
<PREFERRED>                                                             0
<COMMON>                                                            1,732
<OTHER-SE>                                                         38,207
<TOTAL-LIABILITIES-AND-EQUITY>                                    486,626
<INTEREST-LOAN>                                                    16,120
<INTEREST-INVEST>                                                   1,833
<INTEREST-OTHER>                                                       13
<INTEREST-TOTAL>                                                   17,966
<INTEREST-DEPOSIT>                                                  4,993
<INTEREST-EXPENSE>                                                  7,560
<INTEREST-INCOME-NET>                                              10,406
<LOAN-LOSSES>                                                         500
<SECURITIES-GAINS>                                                    276
<EXPENSE-OTHER>                                                     8,135
<INCOME-PRETAX>                                                     2,989
<INCOME-PRE-EXTRAORDINARY>                                          2,989
<EXTRAORDINARY>                                                         0
<CHANGES>                                                               0
<NET-INCOME>                                                        2,016
<EPS-BASIC>                                                        1.26
<EPS-DILUTED>                                                        1.26
<YIELD-ACTUAL>                                                       8.09
<LOANS-NON>                                                         3,316
<LOANS-PAST>                                                            0
<LOANS-TROUBLED>                                                    1,131
<LOANS-PROBLEM>                                                       207
<ALLOWANCE-OPEN>                                                    4,887
<CHARGE-OFFS>                                                       1,360
<RECOVERIES>                                                          193
<ALLOWANCE-CLOSE>                                                   4,220
<ALLOWANCE-DOMESTIC>                                                4,220
<ALLOWANCE-FOREIGN>                                                     0
<ALLOWANCE-UNALLOCATED>                                                 0