<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> 1,000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> Jun-30-2000
<CASH> 128
<INT-BEARING-DEPOSITS> 1,414
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 15,395
<INVESTMENTS-CARRYING> 1,585
<INVESTMENTS-MARKET> 1,503
<LOANS> 35,792
<ALLOWANCE> 258
<TOTAL-ASSETS> 55,826
<DEPOSITS> 41,073
<SHORT-TERM> 0
<LIABILITIES-OTHER> 287
<LONG-TERM> 8,600
0
0
<COMMON> 71
<OTHER-SE> 5,795
<TOTAL-LIABILITIES-AND-EQUITY> 55,826
<INTEREST-LOAN> 1,271
<INTEREST-INVEST> 572
<INTEREST-OTHER> 65
<INTEREST-TOTAL> 1,908
<INTEREST-DEPOSIT> 850
<INTEREST-EXPENSE> 1,120
<INTEREST-INCOME-NET> 788
<LOAN-LOSSES> 71
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 761
<INCOME-PRETAX> 82
<INCOME-PRE-EXTRAORDINARY> 82
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 82
<EPS-BASIC> .12
<EPS-DILUTED> .12
<YIELD-ACTUAL> 3.06
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 187
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 258
<ALLOWANCE-DOMESTIC> 258
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>