<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL STATEMENTS DATED JUNE 30, 2000 AND IS QUALIFIED IN
ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> APR-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 9,391
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 5,500
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 35,187
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 116,877
<ALLOWANCE> 2,668
<TOTAL-ASSETS> 186,209
<DEPOSITS> 161,767
<SHORT-TERM> 8,347
<LIABILITIES-OTHER> 870
<LONG-TERM> 0
0
0
<COMMON> 9,250
<OTHER-SE> 5,975
<TOTAL-LIABILITIES-AND-EQUITY> 186,209
<INTEREST-LOAN> 5,221
<INTEREST-INVEST> 1,147
<INTEREST-OTHER> 106
<INTEREST-TOTAL> 6,474
<INTEREST-DEPOSIT> 2,016
<INTEREST-EXPENSE> 2,190
<INTEREST-INCOME-NET> 4,284
<LOAN-LOSSES> 100
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 4,858
<INCOME-PRETAX> 617
<INCOME-PRE-EXTRAORDINARY> 542
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 542
<EPS-BASIC> 0.36
<EPS-DILUTED> 0.35
<YIELD-ACTUAL> 5.66
<LOANS-NON> 7,070
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,580
<CHARGE-OFFS> 23
<RECOVERIES> 11
<ALLOWANCE-CLOSE> 2,668
<ALLOWANCE-DOMESTIC> 2,668
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 1,245
</TABLE>