<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY REPORT ON FORM 10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
     TO SUCH FINANCIAL INFORMATION.


<MULTIPLIER>                                   1000

                                    
<PERIOD-TYPE>                                 6-MOS
<FISCAL-YEAR-END>                       DEC-31-2000
<PERIOD-END>                            JUN-30-2000
<CASH>                                        4,233
<INT-BEARING-DEPOSITS>                          886
<FED-FUNDS-SOLD>                                500
<TRADING-ASSETS>                                  0
<INVESTMENTS-HELD-FOR-SALE>                 156,562
<INVESTMENTS-CARRYING>                            0
<INVESTMENTS-MARKET>                              0
<LOANS>                                     156,562
<ALLOWANCE>                                   2,210
<TOTAL-ASSETS>                              459,085
<DEPOSITS>                                  382,057
<SHORT-TERM>                                      0
<LIABILITIES-OTHER>                          10,715
<LONG-TERM>                                  27,000
<PREFERRED-MANDATORY>                             0
<PREFERRED>                                       0
<COMMON>                                      3,780
<OTHER-SE>                                   35,534
<TOTAL-LIABILITIES-AND-EQUITY>              459,085
<INTEREST-LOAN>                              10,695
<INTEREST-INVEST>                             5,131
<INTEREST-OTHER>                                138
<INTEREST-TOTAL>                             15,964
<INTEREST-DEPOSIT>                            6,624
<INTEREST-EXPENSE>                              880
<INTEREST-INCOME-NET>                         8,459
<LOAN-LOSSES>                                   150
<SECURITIES-GAINS>                             (107)
<EXPENSE-OTHER>                               5,037
<INCOME-PRETAX>                               4,894
<INCOME-PRE-EXTRAORDINARY>                    4,894
<EXTRAORDINARY>                                   0
<CHANGES>                                         0
<NET-INCOME>                                  3,308
<EPS-BASIC>                                    1.10
<EPS-DILUTED>                                  1.10
<YIELD-ACTUAL>                                    0
<LOANS-NON>                                       0
<LOANS-PAST>                                  1,628
<LOANS-TROUBLED>                                  0
<LOANS-PROBLEM>                                   0
<ALLOWANCE-OPEN>                              2,366
<CHARGE-OFFS>                                   318
<RECOVERIES>                                     12
<ALLOWANCE-CLOSE>                             2,210
<ALLOWANCE-DOMESTIC>                          2,210
<ALLOWANCE-FOREIGN>                               0
<ALLOWANCE-UNALLOCATED>                           0