<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> 3,143
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 19,136
<INVESTMENTS-CARRYING> 60,287
<INVESTMENTS-MARKET> 57,489
<LOANS> 63,840
<ALLOWANCE> 253
<TOTAL-ASSETS> 152,577
<DEPOSITS> 80,816
<SHORT-TERM> 21,500
<LIABILITIES-OTHER> 1,848
<LONG-TERM> 30,000
0
0
<COMMON> 155
<OTHER-SE> 18,258
<TOTAL-LIABILITIES-AND-EQUITY> 152,577
<INTEREST-LOAN> 2,080
<INTEREST-INVEST> 2,693
<INTEREST-OTHER> 108
<INTEREST-TOTAL> 4,881
<INTEREST-DEPOSIT> 1,722
<INTEREST-EXPENSE> 2,931
<INTEREST-INCOME-NET> 1,950
<LOAN-LOSSES> 18
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1,547
<INCOME-PRETAX> 897
<INCOME-PRE-EXTRAORDINARY> 897
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 567
<EPS-BASIC> 0.47
<EPS-DILUTED> 0.47
<YIELD-ACTUAL> 0
<LOANS-NON> 20
<LOANS-PAST> 36
<LOANS-TROUBLED> 112
<LOANS-PROBLEM> 23
<ALLOWANCE-OPEN> 249
<CHARGE-OFFS> 6
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 253
<ALLOWANCE-DOMESTIC> 253
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 253
</TABLE>