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<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> 449
<INT-BEARING-DEPOSITS> 3,936
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 4,326
<INVESTMENTS-CARRYING> 20,020
<INVESTMENTS-MARKET> 20,278
<LOANS> 17,229
<ALLOWANCE> 145
<TOTAL-ASSETS> 49,189
<DEPOSITS> 39,857
<SHORT-TERM> 0
<LIABILITIES-OTHER> 637
<LONG-TERM> 0
0
0
<COMMON> 73
<OTHER-SE> 8,621
<TOTAL-LIABILITIES-AND-EQUITY> 49,189
<INTEREST-LOAN> 628
<INTEREST-INVEST> 836
<INTEREST-OTHER> 131
<INTEREST-TOTAL> 1,595
<INTEREST-DEPOSIT> 812
<INTEREST-EXPENSE> 400
<INTEREST-INCOME-NET> 783
<LOAN-LOSSES> 7
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 752
<INCOME-PRETAX> 100
<INCOME-PRE-EXTRAORDINARY> 100
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 100
<EPS-BASIC> .18
<EPS-DILUTED> .18
<YIELD-ACTUAL> 3.27
<LOANS-NON> 75
<LOANS-PAST> 102
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 138
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 145
<ALLOWANCE-DOMESTIC> 145
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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