<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FORM 10-Q
FOR THE PERIOD ENDED JUNE 30, 1999 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE
TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 4,524
<INT-BEARING-DEPOSITS> 301
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 37,474
<INVESTMENTS-CARRYING> 40,474
<INVESTMENTS-MARKET> 38,849
<LOANS> 135,486
<ALLOWANCE> 1,355
<TOTAL-ASSETS> 186,020
<DEPOSITS> 161,287
<SHORT-TERM> 4,351
<LIABILITIES-OTHER> 1,756
<LONG-TERM> 5,469
0
0
<COMMON> 14,277
<OTHER-SE> (1,119)
<TOTAL-LIABILITIES-AND-EQUITY> 186,020
<INTEREST-LOAN> 5,610
<INTEREST-INVEST> 1,139
<INTEREST-OTHER> 99
<INTEREST-TOTAL> 6,748
<INTEREST-DEPOSIT> 3,102
<INTEREST-EXPENSE> 3,419
<INTEREST-INCOME-NET> 3,330
<LOAN-LOSSES> 105
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 2,832
<INCOME-PRETAX> 1,190
<INCOME-PRE-EXTRAORDINARY> 1,190
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 801
<EPS-BASIC> .51
<EPS-DILUTED> .49
<YIELD-ACTUAL> 6.4
<LOANS-NON> 0
<LOANS-PAST> 1,128
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,254
<CHARGE-OFFS> 4
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 1,355
<ALLOWANCE-DOMESTIC> 1,355
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 1,355
</TABLE>