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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED
FROM OUR DECEMBER 31, 1999 10-KSB AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<CASH> 0
<INT-BEARING-DEPOSITS> 7,474
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 44,087
<INVESTMENTS-CARRYING> 15,545
<INVESTMENTS-MARKET> 15,290
<LOANS> 103,295
<ALLOWANCE> 1,109
<TOTAL-ASSETS> 179,988
<DEPOSITS> 145,403
<SHORT-TERM> 4,786
<LIABILITIES-OTHER> 1,004
<LONG-TERM> 9,500
0
0
<COMMON> 5,914
<OTHER-SE> 11,536
<TOTAL-LIABILITIES-AND-EQUITY> 179,988
<INTEREST-LOAN> 2,221
<INTEREST-INVEST> 847
<INTEREST-OTHER> 32
<INTEREST-TOTAL> 3,100
<INTEREST-DEPOSIT> 14,283
<INTEREST-EXPENSE> 1,443
<INTEREST-INCOME-NET> 1,657
<LOAN-LOSSES> 20
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1,015
<INCOME-PRETAX> 887
<INCOME-PRE-EXTRAORDINARY> 887
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 681
<EPS-BASIC> 0.85
<EPS-DILUTED> 0.77
<YIELD-ACTUAL> 4.32
<LOANS-NON> 85
<LOANS-PAST> 36
<LOANS-TROUBLED> 105
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1092
<CHARGE-OFFS> 29
<RECOVERIES> 6
<ALLOWANCE-CLOSE> 1109
<ALLOWANCE-DOMESTIC> 1109
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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