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

<MULTIPLIER>                                   1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-END>                                   JUN-30-2000
<CASH>                                              10,647
<INT-BEARING-DEPOSITS>                                 289
<FED-FUNDS-SOLD>                                       525
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         73,319
<INVESTMENTS-CARRYING>                               7,386
<INVESTMENTS-MARKET>                                 7,391
<LOANS>                                            159,223
<ALLOWANCE>                                          1,623
<TOTAL-ASSETS>                                     266,218
<DEPOSITS>                                         204,432
<SHORT-TERM>                                        35,750
<LIABILITIES-OTHER>                                  2,608
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                             8,616
<OTHER-SE>                                          14,812
<TOTAL-LIABILITIES-AND-EQUITY>                     266,218
<INTEREST-LOAN>                                      6,552
<INTEREST-INVEST>                                    2,375
<INTEREST-OTHER>                                       109
<INTEREST-TOTAL>                                     9,036
<INTEREST-DEPOSIT>                                   2,470
<INTEREST-EXPENSE>                                   3,107
<INTEREST-INCOME-NET>                                5,929
<LOAN-LOSSES>                                          200
<SECURITIES-GAINS>                                      (1)
<EXPENSE-OTHER>                                      4,584
<INCOME-PRETAX>                                      2,896
<INCOME-PRE-EXTRAORDINARY>                           2,896
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         2,165
<EPS-BASIC>                                           1.24
<EPS-DILUTED>                                         1.23
<YIELD-ACTUAL>                                        5.53
<LOANS-NON>                                            246
<LOANS-PAST>                                             3
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     1,453
<CHARGE-OFFS>                                           65
<RECOVERIES>                                            35
<ALLOWANCE-CLOSE>                                    1,623
<ALLOWANCE-DOMESTIC>                                   544
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                              1,078