<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from Form 10-QSB
for the period 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> 15,630
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 17,265
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 53,307
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 193,194
<ALLOWANCE> 2,582
<TOTAL-ASSETS> 297,165
<DEPOSITS> 268,245
<SHORT-TERM> 3,738
<LIABILITIES-OTHER> 1,113
<LONG-TERM> 0
0
0
<COMMON> 28
<OTHER-SE> 24,041
<TOTAL-LIABILITIES-AND-EQUITY> 273,096
<INTEREST-LOAN> 8,453
<INTEREST-INVEST> 1,704
<INTEREST-OTHER> 455
<INTEREST-TOTAL> 10,612
<INTEREST-DEPOSIT> 4,342
<INTEREST-EXPENSE> 4,452
<INTEREST-INCOME-NET> 6,160
<LOAN-LOSSES> 273
<SECURITIES-GAINS> (1)
<EXPENSE-OTHER> 5,822
<INCOME-PRETAX> 1,177
<INCOME-PRE-EXTRAORDINARY> 1,177
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 597
<EPS-BASIC> .21
<EPS-DILUTED> .21
<YIELD-ACTUAL> 4.69
<LOANS-NON> 265
<LOANS-PAST> 117
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,303
<CHARGE-OFFS> 83
<RECOVERIES> 89
<ALLOWANCE-CLOSE> 2,582
<ALLOWANCE-DOMESTIC> 2,582
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>