<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
                             This schedule contains summary financial informa-
                             tion 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-31-2000
<PERIOD-START>                                 Jan-01-2000
<PERIOD-END>                                   Jun-30-2000
<CASH>                                         481
<INT-BEARING-DEPOSITS>                         0
<FED-FUNDS-SOLD>                               765
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    11,958
<INVESTMENTS-CARRYING>                         0
<INVESTMENTS-MARKET>                           0
<LOANS>                                        16,333
<ALLOWANCE>                                    290
<TOTAL-ASSETS>                                 31,143
<DEPOSITS>                                     26,677
<SHORT-TERM>                                   700
<LIABILITIES-OTHER>                            311
<LONG-TERM>                                    0
                          0
                                    0
<COMMON>                                       5
<OTHER-SE>                                     3,450
<TOTAL-LIABILITIES-AND-EQUITY>                 31,143
<INTEREST-LOAN>                                727
<INTEREST-INVEST>                              372
<INTEREST-OTHER>                               30
<INTEREST-TOTAL>                               1,129
<INTEREST-DEPOSIT>                             619
<INTEREST-EXPENSE>                             648
<INTEREST-INCOME-NET>                          481
<LOAN-LOSSES>                                  0
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                531
<INCOME-PRETAX>                                (11)
<INCOME-PRE-EXTRAORDINARY>                     (7)
<EXTRAORDINARY>                                37
<CHANGES>                                      0
<NET-INCOME>                                   30
<EPS-BASIC>                                    .06
<EPS-DILUTED>                                  .06
<YIELD-ACTUAL>                                 2.94
<LOANS-NON>                                    0
<LOANS-PAST>                                   0
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               290
<CHARGE-OFFS>                                  0
<RECOVERIES>                                   0
<ALLOWANCE-CLOSE>                              290
<ALLOWANCE-DOMESTIC>                           290
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0



</TABLE>



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