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<TABLE> <S> <C>
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<S> <C>
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<PERIOD-START> OCT-01-1999
<PERIOD-END> JUN-30-2000
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<FED-FUNDS-SOLD> 504
<TRADING-ASSETS> 0
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<INVESTMENTS-CARRYING> 14,276
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<ALLOWANCE> 52
<TOTAL-ASSETS> 55,926
<DEPOSITS> 40,524
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0
0
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<INTEREST-DEPOSIT> 1,367
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<EPS-BASIC> .20
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<ALLOWANCE-DOMESTIC> 0
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 52
</TABLE>
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