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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS CONTAINED IN THE PROSPECTUS WHICH IS A PART OF THE
REGISTRATION STATEMENT ON FORM SB-2 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1000
<S> <C> <C>
<PERIOD-TYPE> 12-MOS 6-MOS
<FISCAL-YEAR-END> DEC-31-1999 DEC-31-2000
<PERIOD-END> DEC-31-1999 JUN-30-2000
<CASH> 2,998 1,790
<INT-BEARING-DEPOSITS> 1,872 2,383
<FED-FUNDS-SOLD> 0 0
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 15,073 15,385
<INVESTMENTS-CARRYING> 971 964
<INVESTMENTS-MARKET> 944 911
<LOANS> 44,495 46,471
<ALLOWANCE> 560 575
<TOTAL-ASSETS> 68,155 69,632
<DEPOSITS> 43,333 48,001
<SHORT-TERM> 8,615 5,000
<LIABILITIES-OTHER> 727 1,100
<LONG-TERM> 10,000 10,000
0 0
0 0
<COMMON> 0 0
<OTHER-SE> 0 0
<TOTAL-LIABILITIES-AND-EQUITY> 68,155 69,632
<INTEREST-LOAN> 3,621 1,880
<INTEREST-INVEST> 1,230 652
<INTEREST-OTHER> 0 0
<INTEREST-TOTAL> 4,851 2,532
<INTEREST-DEPOSIT> 1,893 873
<INTEREST-EXPENSE> 2,470 1,340
<INTEREST-INCOME-NET> 2,381 1,192
<LOAN-LOSSES> 220 80
<SECURITIES-GAINS> 0 0
<EXPENSE-OTHER> 2,344 1,432
<INCOME-PRETAX> 665 153
<INCOME-PRE-EXTRAORDINARY> 433 102
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 433 102
<EPS-BASIC> 0 0
<EPS-DILUTED> 0 0
<YIELD-ACTUAL> 3.68 3.69
<LOANS-NON> 30 44
<LOANS-PAST> 0 0
<LOANS-TROUBLED> 0 0
<LOANS-PROBLEM> 0 0
<ALLOWANCE-OPEN> 584 560
<CHARGE-OFFS> 309 105
<RECOVERIES> 65 40
<ALLOWANCE-CLOSE> 560 575
<ALLOWANCE-DOMESTIC> 560 575
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 0 0
</TABLE>
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