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WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<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> 1000
-
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<CASH> 429
<INT-BEARING-DEPOSITS> 901
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 10,509
<INVESTMENTS-CARRYING> 5,591
<INVESTMENTS-MARKET> 5,591
<LOANS> 38,445
<ALLOWANCE> 169
<TOTAL-ASSETS> 59,762
<DEPOSITS> 33,491
<SHORT-TERM> 2,500
<LIABILITIES-OTHER> 635
<LONG-TERM> 16,586
0
0
<COMMON> 38
<OTHER-SE> 6,512
<TOTAL-LIABILITIES-AND-EQUITY> 59,762
<INTEREST-LOAN> 1,406
<INTEREST-INVEST> 515
<INTEREST-OTHER> 34
<INTEREST-TOTAL> 1,955
<INTEREST-DEPOSIT> 737
<INTEREST-EXPENSE> 1,204
<INTEREST-INCOME-NET> 751
<LOAN-LOSSES> 0
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 696
<INCOME-PRETAX> 218
<INCOME-PRE-EXTRAORDINARY> 218
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 155
<EPS-BASIC> .46
<EPS-DILUTED> .44
<YIELD-ACTUAL> 2.85
<LOANS-NON> 313
<LOANS-PAST> 1
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 168
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 169
<ALLOWANCE-DOMESTIC> 169
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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