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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information
extracted from the consolidated balance sheets and
consolidated statements of operations found on pages
3 and 4 of the Company's Form 10-QDB for the year
to date.
</LEGEND>
<MULTIPLIER> 1,000
<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> 2,017
<INT-BEARING-DEPOSITS> 2,967
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 1,724
<INVESTMENTS-CARRYING> 6,623
<INVESTMENTS-MARKET> 6,420
<LOANS> 214,699
<ALLOWANCE> 1,416
<TOTAL-ASSETS> 240,630
<DEPOSITS> 173,016
<SHORT-TERM> 41,100
<LIABILITIES-OTHER> 9,575
<LONG-TERM> 1,900
0
0
<COMMON> 49
<OTHER-SE> 15,966
<TOTAL-LIABILITIES-AND-EQUITY> 240,630
<INTEREST-LOAN> 8,271
<INTEREST-INVEST> 156
<INTEREST-OTHER> 201
<INTEREST-TOTAL> 8,628
<INTEREST-DEPOSIT> 4,283
<INTEREST-EXPENSE> 5,666
<INTEREST-INCOME-NET> 2,962
<LOAN-LOSSES> 120
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 2,839
<INCOME-PRETAX> 900
<INCOME-PRE-EXTRAORDINARY> 900
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 628
<EPS-BASIC> 0.13
<EPS-DILUTED> 0.13
<YIELD-ACTUAL> 7.91
<LOANS-NON> 3,108
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 3,130
<ALLOWANCE-OPEN> 1,438
<CHARGE-OFFS> 150
<RECOVERIES> 8
<ALLOWANCE-CLOSE> 1,416
<ALLOWANCE-DOMESTIC> 1,416
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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