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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 10-Q
DATED AUGUST 11, 2000 FOR THE PERIOD ENDED JUNE 30, 2000 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<S> <C> <C>
<PERIOD-TYPE> 6-MOS 6-MOS
<FISCAL-YEAR-END> JUN-30-2000 JUN-30-1999
<PERIOD-START> JAN-01-2000 JAN-01-1999
<PERIOD-END> JUN-30-2000 JUN-30-1999
<CASH> 26,174 14,496
<INT-BEARING-DEPOSITS> 174 0
<FED-FUNDS-SOLD> 52,884 2,500
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 4,376 46,604
<INVESTMENTS-CARRYING> 37,587 6,259
<INVESTMENTS-MARKET> 36,976 6,336
<LOANS> 741,616 417,416
<ALLOWANCE> 7,721 3,621
<TOTAL-ASSETS> 874,480 499,383
<DEPOSITS> 774,546 428,512
<SHORT-TERM> 7,859 9,563
<LIABILITIES-OTHER> 5,679 3,154
<LONG-TERM> 31,978 12,193
23,000 23,000
0 0
<COMMON> 2,805 144
<OTHER-SE> 28,614 22,817
<TOTAL-LIABILITIES-AND-EQUITY> 874,480 499,383
<INTEREST-LOAN> 36,227 17,642
<INTEREST-INVEST> 1,319 1,096
<INTEREST-OTHER> 407 414
<INTEREST-TOTAL> 37,953 19,152
<INTEREST-DEPOSIT> 16,687 8,495
<INTEREST-EXPENSE> 20,019 9,773
<INTEREST-INCOME-NET> 17,934 9,379
<LOAN-LOSSES> 2,930 1,429
<SECURITIES-GAINS> 0 0
<EXPENSE-OTHER> 11,465 6,939
<INCOME-PRETAX> 7,018 2,910
<INCOME-PRE-EXTRAORDINARY> 4,499 1,953
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 4,499 1,953
<EPS-BASIC> .58 13.66
<EPS-DILUTED> .58 13.66
<YIELD-ACTUAL> 4.70 0
<LOANS-NON> 3,568 352
<LOANS-PAST> 90 334
<LOANS-TROUBLED> 0 0
<LOANS-PROBLEM> 0 0
<ALLOWANCE-OPEN> 5,322 2,187
<CHARGE-OFFS> 587 31
<RECOVERIES> 56 36
<ALLOWANCE-CLOSE> 7,721 3,621
<ALLOWANCE-DOMESTIC> 0 0
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 7,721 3,621
</TABLE>
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