<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from Form 10-QSB
for the period ended June 30, 2000 and is qualified in its entirety by reference
to such financial statements.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 5,702
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 1,066
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 5,526
<INVESTMENTS-CARRYING> 13,000
<INVESTMENTS-MARKET> 12,599
<LOANS> 109,088
<ALLOWANCE> 1,053
<TOTAL-ASSETS> 140,688
<DEPOSITS> 113,855
<SHORT-TERM> 0
<LIABILITIES-OTHER> 8,555
<LONG-TERM> 0
0
0
<COMMON> 35
<OTHER-SE> 18,243
<TOTAL-LIABILITIES-AND-EQUITY> 140,688
<INTEREST-LOAN> 3,991
<INTEREST-INVEST> 541
<INTEREST-OTHER> 142
<INTEREST-TOTAL> 4,674
<INTEREST-DEPOSIT> 1,928
<INTEREST-EXPENSE> 1,973
<INTEREST-INCOME-NET> 2,702
<LOAN-LOSSES> 245
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 2,517
<INCOME-PRETAX> 787
<INCOME-PRE-EXTRAORDINARY> 787
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 490
<EPS-BASIC> .14
<EPS-DILUTED> .14
<YIELD-ACTUAL> 4.66
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 886
<CHARGE-OFFS> 78
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 1,053
<ALLOWANCE-DOMESTIC> 1,053
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>