<TABLE> <S> <C>
<ARTICLE> 9
<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> 3,339
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 879
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 1,953
<INVESTMENTS-CARRYING> 50
<INVESTMENTS-MARKET> 50
<LOANS> 16,941
<ALLOWANCE> 169
<TOTAL-ASSETS> 27,704
<DEPOSITS> 19,606
<SHORT-TERM> 0
<LIABILITIES-OTHER> 256
<LONG-TERM> 0
0
0
<COMMON> 10
<OTHER-SE> 7,832
<TOTAL-LIABILITIES-AND-EQUITY> 27,704
<INTEREST-LOAN> 548
<INTEREST-INVEST> 69
<INTEREST-OTHER> 70
<INTEREST-TOTAL> 687
<INTEREST-DEPOSIT> 248
<INTEREST-EXPENSE> 248
<INTEREST-INCOME-NET> 439
<LOAN-LOSSES> 89
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1,078
<INCOME-PRETAX> (635)
<INCOME-PRE-EXTRAORDINARY> (396)
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (396)
<EPS-BASIC> (.39)
<EPS-DILUTED> (.39)
<YIELD-ACTUAL> 5.41
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 80
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 169
<ALLOWANCE-DOMESTIC> 169
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>