<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S BALANCE SHEET AS OF JUNE 30, 2000 AND THE STATEMENT OF INCOME FOR
THE SIX MONTHS ENDED JUNE 30, 2000, AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH BALANCE SHEET AND STATEMENT OF INCOME AND THE NOTES THERETO.


                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                          30,683
<INT-BEARING-DEPOSITS>                           1,979
<FED-FUNDS-SOLD>                                 8,100
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     46,499
<INVESTMENTS-CARRYING>                          20,540
<INVESTMENTS-MARKET>                            20,114
<LOANS>                                        359,610
<ALLOWANCE>                                    (3,702)
<TOTAL-ASSETS>                                 484,993
<DEPOSITS>                                     435,533
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              3,419
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        36,581
<OTHER-SE>                                       9,460
<TOTAL-LIABILITIES-AND-EQUITY>                 484,993
<INTEREST-LOAN>                                 16,723
<INTEREST-INVEST>                                1,944
<INTEREST-OTHER>                                   368
<INTEREST-TOTAL>                                19,035
<INTEREST-DEPOSIT>                                  94
<INTEREST-EXPENSE>                               5,096
<INTEREST-INCOME-NET>                           13,939
<LOAN-LOSSES>                                      475
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 10,556
<INCOME-PRETAX>                                  5,110
<INCOME-PRE-EXTRAORDINARY>                       5,110
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     3,222
<EPS-BASIC>                                     0.58
<EPS-DILUTED>                                     0.55
<YIELD-ACTUAL>                                    4.41
<LOANS-NON>                                      3,271
<LOANS-PAST>                                       466
<LOANS-TROUBLED>                                 1,769
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 6,102
<CHARGE-OFFS>                                    3,072
<RECOVERIES>                                       197
<ALLOWANCE-CLOSE>                                3,702
<ALLOWANCE-DOMESTIC>                             3,702
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0

<F1>For purposes of this Exhibit, Primary means Basic.