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<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1000
<CURRENCY> U.S.DOLLARS
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<EXCHANGE-RATE> 1
<CASH> 5,090
<INT-BEARING-DEPOSITS> 53,145
<FED-FUNDS-SOLD> 7,600
<TRADING-ASSETS> 0
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<INVESTMENTS-CARRYING> 17,242
<INVESTMENTS-MARKET> 16,875
<LOANS> 51,705
<ALLOWANCE> 921
<TOTAL-ASSETS> 92,560
<DEPOSITS> 82,315
<SHORT-TERM> 0
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<LONG-TERM> 0
0
0
<COMMON> 13,672
<OTHER-SE> (3,956)
<TOTAL-LIABILITIES-AND-EQUITY> 92,560
<INTEREST-LOAN> 2,361
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<INTEREST-OTHER> 193
<INTEREST-TOTAL> 3,183
<INTEREST-DEPOSIT> 1,025
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<INTEREST-INCOME-NET> 2,157
<LOAN-LOSSES> 60
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 2,012
<INCOME-PRETAX> 360
<INCOME-PRE-EXTRAORDINARY> 363
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<NET-INCOME> 363
<EPS-BASIC> .09
<EPS-DILUTED> .09
<YIELD-ACTUAL> 5.24
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<RECOVERIES> 44
<ALLOWANCE-CLOSE> 921
<ALLOWANCE-DOMESTIC> 921
<ALLOWANCE-FOREIGN> 0
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</TABLE>
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