<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FORM 10-Q
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-31-1999
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 4,236
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 6,067
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 16,163
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 102,564
<ALLOWANCE> 1,042
<TOTAL-ASSETS> 137,530
<DEPOSITS> 121,822
<SHORT-TERM> 0
<LIABILITIES-OTHER> 3,771
<LONG-TERM> 0
0
0
<COMMON> 890
<OTHER-SE> 11,047
<TOTAL-LIABILITIES-AND-EQUITY> 137,530
<INTEREST-LOAN> 3,901
<INTEREST-INVEST> 506
<INTEREST-OTHER> 268
<INTEREST-TOTAL> 4,676
<INTEREST-DEPOSIT> 2,332
<INTEREST-EXPENSE> 2,375
<INTEREST-INCOME-NET> 2,301
<LOAN-LOSSES> 421
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1,902
<INCOME-PRETAX> 194
<INCOME-PRE-EXTRAORDINARY> 116
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 116
<EPS-BASIC> .13
<EPS-DILUTED> .13
<YIELD-ACTUAL> 0
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 0
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 0
<ALLOWANCE-DOMESTIC> 0
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>