<ARTICLE> 9

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                      16,014,000
<INT-BEARING-DEPOSITS>                       3,960,000
<FED-FUNDS-SOLD>                            19,605,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  5,950,000
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    189,630,000
<ALLOWANCE>                                  3,109,000
<TOTAL-ASSETS>                             237,279,000
<DEPOSITS>                                 210,614,000
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          3,913,000
<LONG-TERM>                                  1,237,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                    13,074,000
<OTHER-SE>                                   8,441,000
<TOTAL-LIABILITIES-AND-EQUITY>             237,279,000
<INTEREST-LOAN>                              7,834,000
<INTEREST-INVEST>                            1,302,000
<INTEREST-OTHER>                               801,000
<INTEREST-TOTAL>                             9,937,000
<INTEREST-DEPOSIT>                           2,105,000
<INTEREST-EXPENSE>                           2,113,000
<INTEREST-INCOME-NET>                        7,824,000
<LOAN-LOSSES>                                  714,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              6,042,000
<INCOME-PRETAX>                              1,812,000
<INCOME-PRE-EXTRAORDINARY>                   1,063,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,063,000
<EPS-BASIC>                                       0.39
<EPS-DILUTED>                                     0.39
<YIELD-ACTUAL>                                    .061
<LOANS-NON>                                     69,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             2,300,000
<CHARGE-OFFS>                                        0
<RECOVERIES>                                    95,000
<ALLOWANCE-CLOSE>                            3,109,000
<ALLOWANCE-DOMESTIC>                         3,109,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0