<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S UNAUDITED QUARTERLY FINANCIAL STATEMENTS AND DISCLOSURES FOR THE
PERIOD ENDED JUNE 30, 2000 AS PRESENTED IN ITS SECOND QUARTER 2000 FORM 10-Q
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS AND
DISCLOSURES.

<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                          28,087
<INT-BEARING-DEPOSITS>                           1,126
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    219,325
<INVESTMENTS-CARRYING>                           9,543
<INVESTMENTS-MARKET>                             9,523
<LOANS>                                        387,258
<ALLOWANCE>                                      4,654
<TOTAL-ASSETS>                                 672,319
<DEPOSITS>                                     510,902
<SHORT-TERM>                                    68,242
<LIABILITIES-OTHER>                              6,026
<LONG-TERM>                                     20,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            43
<OTHER-SE>                                      67,106
<TOTAL-LIABILITIES-AND-EQUITY>                 672,319
<INTEREST-LOAN>                                 16,055
<INTEREST-INVEST>                                7,212
<INTEREST-OTHER>                                   121
<INTEREST-TOTAL>                                23,388
<INTEREST-DEPOSIT>                               8,404
<INTEREST-EXPENSE>                              10,576
<INTEREST-INCOME-NET>                           12,812
<LOAN-LOSSES>                                      375
<SECURITIES-GAINS>                                   1
<EXPENSE-OTHER>                                 11,327
<INCOME-PRETAX>                                  5,940
<INCOME-PRE-EXTRAORDINARY>                       4,082
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,082
<EPS-BASIC>                                       1.00
<EPS-DILUTED>                                     1.00
<YIELD-ACTUAL>                                    4.20
<LOANS-NON>                                        698
<LOANS-PAST>                                       255
<LOANS-TROUBLED>                                   421
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 4,665
<CHARGE-OFFS>                                      469
<RECOVERIES>                                        83
<ALLOWANCE-CLOSE>                                4,654
<ALLOWANCE-DOMESTIC>                             3,218
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,436