[ARTICLE] 9
<TABLE>
<S> <C>
[PERIOD-TYPE] 6-MOS
[FISCAL-YEAR-END] DEC-31-1999
[PERIOD-END] JUN-30-2000
[CASH] 4,923
[INT-BEARING-DEPOSITS] 45
[FED-FUNDS-SOLD] 273
[TRADING-ASSETS] 0
[INVESTMENTS-HELD-FOR-SALE] 14,954
[INVESTMENTS-CARRYING] 4,462
[INVESTMENTS-MARKET] 4,310
[LOANS] 141,755
[ALLOWANCE] 1,015
[TOTAL-ASSETS] 172,323
[DEPOSITS] 150,397
[SHORT-TERM] 6,547
[LIABILITIES-OTHER] 2,011
[LONG-TERM] 505
[PREFERRED-MANDATORY] 0
[PREFERRED] 0
[COMMON] 4,184
[OTHER-SE] 8,679
[TOTAL-LIABILITIES-AND-EQUITY] 172,323
[INTEREST-LOAN] 6,087
[INTEREST-INVEST] 611
[INTEREST-OTHER] 153
[INTEREST-TOTAL] 6,851
[INTEREST-DEPOSIT] 3,543
[INTEREST-EXPENSE] 3,672
[INTEREST-INCOME-NET] 1,306
[LOAN-LOSSES] 90
[SECURITIES-GAINS] 0
[EXPENSE-OTHER] 2,813
[INCOME-PRETAX] 833
[INCOME-PRE-EXTRAORDINARY] 833
[EXTRAORDINARY] 0
[CHANGES] 0
[NET-INCOME] 598
[EPS-BASIC] .36
[EPS-DILUTED] .32
[YIELD-ACTUAL] 8.73
[LOANS-NON] 1,109
[LOANS-PAST] 422
[LOANS-TROUBLED] 0
[LOANS-PROBLEM] 970
[ALLOWANCE-OPEN] 931
[CHARGE-OFFS] 10
[RECOVERIES] 4
[ALLOWANCE-CLOSE] 1,015
[ALLOWANCE-DOMESTIC] 1,015
[ALLOWANCE-FOREIGN] 0
[ALLOWANCE-UNALLOCATED] 261
</TABLE>
