<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-END> JUN-30-2000
<CASH> 1,244
<INT-BEARING-DEPOSITS> 2,372
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 43,593
<INVESTMENTS-CARRYING> 19,481
<INVESTMENTS-MARKET> 0
<LOANS> 211,688
<ALLOWANCE> 842
<TOTAL-ASSETS> 288,215
<DEPOSITS> 211,968
<SHORT-TERM> 39,200
<LIABILITIES-OTHER> 5,370
<LONG-TERM> 0
0
0
<COMMON> 3,901
<OTHER-SE> 27,775
<TOTAL-LIABILITIES-AND-EQUITY> 288,215
<INTEREST-LOAN> 7,494
<INTEREST-INVEST> 2,118
<INTEREST-OTHER> 123
<INTEREST-TOTAL> 9,736
<INTEREST-DEPOSIT> 4,754
<INTEREST-EXPENSE> 5,832
<INTEREST-INCOME-NET> 3,904
<LOAN-LOSSES> 60
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 3,036
<INCOME-PRETAX> 988
<INCOME-PRE-EXTRAORDINARY> 988
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 631
<EPS-BASIC> .18
<EPS-DILUTED> .18
<YIELD-ACTUAL> 7.04
<LOANS-NON> 454
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 818
<CHARGE-OFFS> 6
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 842
<ALLOWANCE-DOMESTIC> 818
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 24
</TABLE>