<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-END> JUN-30-2000
<CASH> 215
<INT-BEARING-DEPOSITS> 555
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 1,423
<INVESTMENTS-CARRYING> 686
<INVESTMENTS-MARKET> 687
<LOANS> 22,507
<ALLOWANCE> 184
<TOTAL-ASSETS> 27,112
<DEPOSITS> 17,184
<SHORT-TERM> 0
<LIABILITIES-OTHER> 789
<LONG-TERM> 6,455
0
0
<COMMON> 24
<OTHER-SE> 2,660
<TOTAL-LIABILITIES-AND-EQUITY> 27,112
<INTEREST-LOAN> 866
<INTEREST-INVEST> 156
<INTEREST-OTHER> 27
<INTEREST-TOTAL> 1,049
<INTEREST-DEPOSIT> 359
<INTEREST-EXPENSE> 612
<INTEREST-INCOME-NET> 437
<LOAN-LOSSES> 52
<SECURITIES-GAINS> (284)
<EXPENSE-OTHER> 380
<INCOME-PRETAX> (227)
<INCOME-PRE-EXTRAORDINARY> (227)
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (146)
<EPS-BASIC> (0.72)
<EPS-DILUTED> (0.72)
<YIELD-ACTUAL> 3.10
<LOANS-NON> 26
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 204
<CHARGE-OFFS> 70
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 184
<ALLOWANCE-DOMESTIC> 184
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>