<TABLE> <S> <C>

<ARTICLE>        9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
unaudited  Consolidated  Balance  Sheet  at June  30,  2000  and  the  unaudited
Consolidated Statement of Income for the three months ended June 30, 2000 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>                                           1,754
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 2,470
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      8,895
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         13,727
<ALLOWANCE>                                        140
<TOTAL-ASSETS>                                  27,091
<DEPOSITS>                                      15,899
<SHORT-TERM>                                     3,543
<LIABILITIES-OTHER>                                 58
<LONG-TERM>                                          0
                                0
                                          0
<COMMON>                                         7,985
<OTHER-SE>                                        (394)
<TOTAL-LIABILITIES-AND-EQUITY>                  27,091
<INTEREST-LOAN>                                    480
<INTEREST-INVEST>                                  265
<INTEREST-OTHER>                                    88
<INTEREST-TOTAL>                                   833
<INTEREST-DEPOSIT>                                 239
<INTEREST-EXPENSE>                                  59
<INTEREST-INCOME-NET>                              535
<LOAN-LOSSES>                                       35
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    513
<INCOME-PRETAX>                                     19
<INCOME-PRE-EXTRAORDINARY>                          19
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        19
<EPS-BASIC>                                          0
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    4.92
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   105
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  105
<ALLOWANCE-DOMESTIC>                               105
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            105




</TABLE>



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