<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                           6,750
<INT-BEARING-DEPOSITS>                           2,329
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     31,299
<INVESTMENTS-CARRYING>                           1,412
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        110,960
<ALLOWANCE>                                      1,499
<TOTAL-ASSETS>                                 158,278
<DEPOSITS>                                     129,790
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,837
<LONG-TERM>                                     10,000
                                0
                                          0
<COMMON>                                         6,000
<OTHER-SE>                                      10,651
<TOTAL-LIABILITIES-AND-EQUITY>                 158,278
<INTEREST-LOAN>                                  4,976
<INTEREST-INVEST>                                  971
<INTEREST-OTHER>                                   210
<INTEREST-TOTAL>                                 6,067
<INTEREST-DEPOSIT>                               1,699
<INTEREST-EXPENSE>                               1,956
<INTEREST-INCOME-NET>                            4,111
<LOAN-LOSSES>                                      210
<SECURITIES-GAINS>                                  (1)
<EXPENSE-OTHER>                                  3,834
<INCOME-PRETAX>                                    746
<INCOME-PRE-EXTRAORDINARY>                         746
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       572
<EPS-BASIC>                                        .67
<EPS-DILUTED>                                      .67
<YIELD-ACTUAL>                                    8.97
<LOANS-NON>                                        565
<LOANS-PAST>                                       674
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                  3,029
<ALLOWANCE-OPEN>                                 1,342
<CHARGE-OFFS>                                      111
<RECOVERIES>                                        58
<ALLOWANCE-CLOSE>                                1,499
<ALLOWANCE-DOMESTIC>                             1,499
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>



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