<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 10Q AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.

<MULTIPLIER> 1,000

                                                  
<PERIOD-TYPE>                   6-MOS                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000             DEC-31-1999
<PERIOD-START>                             JAN-01-2000             JAN-01-1999
<PERIOD-END>                               JUN-30-2000             JUN-30-1999
<CASH>                                          34,004                  21,328
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                     0                   6,400
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     32,894                  40,106
<INVESTMENTS-CARRYING>                          46,722                  42,084
<INVESTMENTS-MARKET>                            45,889                  41,671
<LOANS>                                        378,504                 261,646
<ALLOWANCE>                                      6,217                   4,383
<TOTAL-ASSETS>                                 508,994                 377,948
<DEPOSITS>                                     435,393                 329,183
<SHORT-TERM>                                    19,300                       0
<LIABILITIES-OTHER>                              4,867                   4,564
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        38,093                  35,752
<OTHER-SE>                                      11,341                   8,449
<TOTAL-LIABILITIES-AND-EQUITY>                 508,994                 377,948
<INTEREST-LOAN>                                 16,649                  11,226
<INTEREST-INVEST>                                2,493                   3,322
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                                19,142                  14,548
<INTEREST-DEPOSIT>                               5,089                   4,181
<INTEREST-EXPENSE>                               5,287                   4,181
<INTEREST-INCOME-NET>                           13,855                  10,367
<LOAN-LOSSES>                                      375                      90
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                  9,611                   6,540
<INCOME-PRETAX>                                  4,747                   4,290
<INCOME-PRE-EXTRAORDINARY>                       4,747                   4,290
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     2,925                   2,650
<EPS-BASIC>                                        .59                     .53
<EPS-DILUTED>                                      .58                     .52
<YIELD-ACTUAL>                                    6.75                    5.75
<LOANS-NON>                                      1,573                     594
<LOANS-PAST>                                       145                     554
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 4,850                   4,424
<CHARGE-OFFS>                                      256                     500
<RECOVERIES>                                       140                     369
<ALLOWANCE-CLOSE>                                6,217                   4,383
<ALLOWANCE-DOMESTIC>                             6,217                   4,383
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                     578