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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 FOR THE COMPANY FOR THE PERIOD ENDED JUNE 30,
2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO THE FINANCIAL STATEMENTS
AND OTHER INFORMATION CONTAINED IN THAT REPORT.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<CASH> 3,902
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 18,800
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 4,536
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 93,492
<ALLOWANCE> 1,077
<TOTAL-ASSETS> 126,641
<DEPOSITS> 91,139
<SHORT-TERM> 6,000
<LIABILITIES-OTHER> 651
<LONG-TERM> 0
0
0
<COMMON> 4,246
<OTHER-SE> 24,605
<TOTAL-LIABILITIES-AND-EQUITY> 126,641
<INTEREST-LOAN> 3,412
<INTEREST-INVEST> 143
<INTEREST-OTHER> 603
<INTEREST-TOTAL> 4,158
<INTEREST-DEPOSIT> 1,478
<INTEREST-EXPENSE> 1,670
<INTEREST-INCOME-NET> 2,489
<LOAN-LOSSES> 351
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 5,038
<INCOME-PRETAX> (1,820)
<INCOME-PRE-EXTRAORDINARY> (1,820)
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (1,820)
<EPS-BASIC> (0.43)
<EPS-DILUTED> (0.43)
<YIELD-ACTUAL> 7.91
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 1,521
<ALLOWANCE-OPEN> 726
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 1,077
<ALLOWANCE-DOMESTIC> 1,077
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 111
</TABLE>
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