<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED BALANCE SHEET AND THE CONSOLIDATED STATEMENT OF INCOME FILED AS
PART OF THE QUARTERLY REPORT ON FORM 10-Q 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-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                         $11,341
<INT-BEARING-DEPOSITS>                           2,881
<FED-FUNDS-SOLD>                                   170
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    147,610
<INVESTMENTS-CARRYING>                          55,359
<INVESTMENTS-MARKET>                            52,605
<LOANS>                                        159,620
<ALLOWANCE>                                      2,352
<TOTAL-ASSETS>                                 394,305
<DEPOSITS>                                     356,194
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              2,133
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        10,800
<OTHER-SE>                                      25,178
<TOTAL-LIABILITIES-AND-EQUITY>                 394,305
<INTEREST-LOAN>                                  6,191
<INTEREST-INVEST>                                5,839
<INTEREST-OTHER>                                   348
<INTEREST-TOTAL>                                12,378
<INTEREST-DEPOSIT>                               6,524
<INTEREST-EXPENSE>                               6,536
<INTEREST-INCOME-NET>                            5,842
<LOAN-LOSSES>                                      190
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  6,449
<INCOME-PRETAX>                                  2,196
<INCOME-PRE-EXTRAORDINARY>                       1,886
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     1,886
<EPS-BASIC>                                       0.94
<EPS-DILUTED>                                     0.94
<YIELD-ACTUAL>                                    3.64
<LOANS-NON>                                         63
<LOANS-PAST>                                       195
<LOANS-TROUBLED>                                 1,217
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 2,200
<CHARGE-OFFS>                                      240
<RECOVERIES>                                       193
<ALLOWANCE-CLOSE>                                2,352
<ALLOWANCE-DOMESTIC>                             2,352
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            387