<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<CASH> 598
<INT-BEARING-DEPOSITS> 362
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 3,909
<INVESTMENTS-CARRYING> 960
<INVESTMENTS-MARKET> 889
<LOANS> 46,951
<ALLOWANCE> 370
<TOTAL-ASSETS> 53,153
<DEPOSITS> 40,663
<SHORT-TERM> 600
<LIABILITIES-OTHER> 783
<LONG-TERM> 0
0
0
<COMMON> 77
<OTHER-SE> 11,030
<TOTAL-LIABILITIES-AND-EQUITY> 53,153
<INTEREST-LOAN> 1,780
<INTEREST-INVEST> 155
<INTEREST-OTHER> 12
<INTEREST-TOTAL> 1,947
<INTEREST-DEPOSIT> 944
<INTEREST-EXPENSE> 959
<INTEREST-INCOME-NET> 988
<LOAN-LOSSES> 18
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 663
<INCOME-PRETAX> 407
<INCOME-PRE-EXTRAORDINARY> 407
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 257
<EPS-BASIC> .43
<EPS-DILUTED> .43
<YIELD-ACTUAL> 3.90
<LOANS-NON> 276
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 352
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 370
<ALLOWANCE-DOMESTIC> 370
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>