
<TABLE> <S> <C>


<ARTICLE>                                          9
<MULTIPLIER>                                   1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-START>                                 JAN-01-2000
<PERIOD-END>                                   JUN-30-2000
<CASH>                                         5,637
<INT-BEARING-DEPOSITS>                         205
<FED-FUNDS-SOLD>                               4,161
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    12,876
<INVESTMENTS-CARRYING>                         22,398
<INVESTMENTS-MARKET>                           21,998
<LOANS>                                        138,519
<ALLOWANCE>                                    1,463
<TOTAL-ASSETS>                                 192,231
<DEPOSITS>                                     153,435
<SHORT-TERM>                                   12,000
<LIABILITIES-OTHER>                            6,763
<LONG-TERM>                                    0
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       23,187
<OTHER-SE>                                     (3,154)
<TOTAL-LIABILITIES-AND-EQUITY>                 192,231
<INTEREST-LOAN>                                5,391
<INTEREST-INVEST>                              1,247
<INTEREST-OTHER>                               41
<INTEREST-TOTAL>                               6,679
<INTEREST-DEPOSIT>                             2,227
<INTEREST-EXPENSE>                             2,744
<INTEREST-INCOME-NET>                          3,935
<LOAN-LOSSES>                                  443
<SECURITIES-GAINS>                             16
<EXPENSE-OTHER>                                3,233
<INCOME-PRETAX>                                760
<INCOME-PRE-EXTRAORDINARY>                     438
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   438
<EPS-BASIC>                                    0.15
<EPS-DILUTED>                                  0.15
<YIELD-ACTUAL>                                 5.13
<LOANS-NON>                                    195
<LOANS-PAST>                                   0
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               1,017
<CHARGE-OFFS>                                  0
<RECOVERIES>                                   3
<ALLOWANCE-CLOSE>                              1,463
<ALLOWANCE-DOMESTIC>                           1,463
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0


</TABLE>
