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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
THE PRECEDING FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 4,156
<INT-BEARING-DEPOSITS> 109
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 0
<INVESTMENTS-CARRYING> 23,697
<INVESTMENTS-MARKET> 23,033
<LOANS> 127,195
<ALLOWANCE> (1,469)
<TOTAL-ASSETS> 162,113
<DEPOSITS> 131,462
<SHORT-TERM> 15,100
<LIABILITIES-OTHER> 1,648
<LONG-TERM> 0
0
552
<COMMON> 9,151
<OTHER-SE> (898)
<TOTAL-LIABILITIES-AND-EQUITY> 162,113
<INTEREST-LOAN> 5,368
<INTEREST-INVEST> 712
<INTEREST-OTHER> 42
<INTEREST-TOTAL> 6,122
<INTEREST-DEPOSIT> 2,327
<INTEREST-EXPENSE> 2,767
<INTEREST-INCOME-NET> 3,355
<LOAN-LOSSES> 180
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 0
<INCOME-PRETAX> 665
<INCOME-PRE-EXTRAORDINARY> 665
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 395
<EPS-BASIC> 0.41
<EPS-DILUTED> 0.41
<YIELD-ACTUAL> 0.082
<LOANS-NON> 583
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> (1,439)
<CHARGE-OFFS> 149
<RECOVERIES> 0
<ALLOWANCE-CLOSE> (1,469)
<ALLOWANCE-DOMESTIC> (1,469)
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 382
</TABLE>
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