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

<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                          14,833
<INT-BEARING-DEPOSITS>                             650
<FED-FUNDS-SOLD>                                   160
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     62,695
<INVESTMENTS-CARRYING>                          57,498
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        387,193
<ALLOWANCE>                                      4,012
<TOTAL-ASSETS>                                 538,294
<DEPOSITS>                                     451,001
<SHORT-TERM>                                    14,683
<LIABILITIES-OTHER>                              5,967
<LONG-TERM>                                     15,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        12,616
<OTHER-SE>                                      39,027
<TOTAL-LIABILITIES-AND-EQUITY>                 538,294
<INTEREST-LOAN>                                 16,289
<INTEREST-INVEST>                                3,624
<INTEREST-OTHER>                                   231
<INTEREST-TOTAL>                                20,144
<INTEREST-DEPOSIT>                               8,948
<INTEREST-EXPENSE>                               9,645
<INTEREST-INCOME-NET>                           10,499
<LOAN-LOSSES>                                      992
<SECURITIES-GAINS>                                  76
<EXPENSE-OTHER>                                 10,830
<INCOME-PRETAX>                                    917
<INCOME-PRE-EXTRAORDINARY>                         917
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       506
<EPS-BASIC>                                       0.10
<EPS-DILUTED>                                     0.10
<YIELD-ACTUAL>                                    4.16
<LOANS-NON>                                        516
<LOANS-PAST>                                     1,071
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,289
<CHARGE-OFFS>                                      382
<RECOVERIES>                                       113
<ALLOWANCE-CLOSE>                                4,012
<ALLOWANCE-DOMESTIC>                             3,585
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            427