<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED CONDENSED BALANCE SHEET AT JUNE, 2000 (UNAUDITED), CONSOLIDATED
CONDENSED STATEMENT OF INCOME FOR THE SIX MONTHS ENDED JUNE 30, 2000 (UNAUDITED)
AND THE NOTES TO THE CONSOLIDATED CONDENSED FINANCIAL STATESMENTS AND IS
QUALIFIED IN ITS ENTIRETY BY FREFERENCE 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> 9,005
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 10,455
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 22,532
<INVESTMENTS-CARRYING> 10,497
<INVESTMENTS-MARKET> 10,334
<LOANS> 99,672
<ALLOWANCE> 1,375
<TOTAL-ASSETS> 156,934
<DEPOSITS> 137,136
<SHORT-TERM> 0
<LIABILITIES-OTHER> 1,204
<LONG-TERM> 0
0
0
<COMMON> 21,299
<OTHER-SE> (2,679)
<TOTAL-LIABILITIES-AND-EQUITY> 156,934
<INTEREST-LOAN> 3,698
<INTEREST-INVEST> 892
<INTEREST-OTHER> 319
<INTEREST-TOTAL> 4,909
<INTEREST-DEPOSIT> 2,027
<INTEREST-EXPENSE> 2,027
<INTEREST-INCOME-NET> 2,882
<LOAN-LOSSES> 138
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 2,775
<INCOME-PRETAX> 386
<INCOME-PRE-EXTRAORDINARY> 386
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 386
<EPS-BASIC> 0.20
<EPS-DILUTED> 0.20
<YIELD-ACTUAL> 0.077
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,237
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 1,375
<ALLOWANCE-DOMESTIC> 1,187
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 188
</TABLE>