<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>                                           9,569
<INT-BEARING-DEPOSITS>                             168
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     27,541
<INVESTMENTS-CARRYING>                          71,786
<INVESTMENTS-MARKET>                            70,677
<LOANS>                                        212,521
<ALLOWANCE>                                      5,246
<TOTAL-ASSETS>                                 330,274
<DEPOSITS>                                     259,606
<SHORT-TERM>                                    29,180
<LIABILITIES-OTHER>                              1,093
<LONG-TERM>                                      8,884
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        16,674
<OTHER-SE>                                      14,837
<TOTAL-LIABILITIES-AND-EQUITY>                 330,274
<INTEREST-LOAN>                                  9,639
<INTEREST-INVEST>                                2,739
<INTEREST-OTHER>                                    14
<INTEREST-TOTAL>                                12,392
<INTEREST-DEPOSIT>                               5,432
<INTEREST-EXPENSE>                               6,112
<INTEREST-INCOME-NET>                            6,280
<LOAN-LOSSES>                                    2,919
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  4,402
<INCOME-PRETAX>                                   (60)
<INCOME-PRE-EXTRAORDINARY>                         365
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       365
<EPS-BASIC>                                        .15
<EPS-DILUTED>                                      .15
<YIELD-ACTUAL>                                    4.19
<LOANS-NON>                                      1,096
<LOANS-PAST>                                       509
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 3,419
<CHARGE-OFFS>                                    1,136
<RECOVERIES>                                        44
<ALLOWANCE-CLOSE>                                5,246
<ALLOWANCE-DOMESTIC>                             3,822
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          1,424