<ARTICLE>                                            9
<MULTIPLIER>                                   1,000
<CURRENCY>                                     US DOLLARS

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-START>                                 JAN-01-2000
<PERIOD-END>                                   JUN-30-2000
<EXCHANGE-RATE>                                1,000
<CASH>                                         23,631
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<FED-FUNDS-SOLD>                               30,366
<TRADING-ASSETS>                               0
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<ALLOWANCE>                                    6,703
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<LONG-TERM>                                    0
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<INTEREST-EXPENSE>                             5,334
<INTEREST-INCOME-NET>                          8,543
<LOAN-LOSSES>                                  125
<SECURITIES-GAINS>                             (587)
<EXPENSE-OTHER>                                4,116
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<CHARGE-OFFS>                                  3
<RECOVERIES>                                   30
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<ALLOWANCE-DOMESTIC>                           6,703
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        538