<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<CASH> 5,251,000
<INT-BEARING-DEPOSITS> 6,118,000
<FED-FUNDS-SOLD> 3,150,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 13,281,000
<INVESTMENTS-CARRYING> 17,605,000
<INVESTMENTS-MARKET> 17,398,000
<LOANS> 116,388,000
<ALLOWANCE> 983,000
<TOTAL-ASSETS> 170,043,000
<DEPOSITS> 149,860,000
<SHORT-TERM> 0
<LIABILITIES-OTHER> 342,000
<LONG-TERM> 0
0
0
<COMMON> 31,000
<OTHER-SE> 19,472,000
<TOTAL-LIABILITIES-AND-EQUITY> 170,043,000
<INTEREST-LOAN> 5,243,000
<INTEREST-INVEST> 951,000
<INTEREST-OTHER> 333,000
<INTEREST-TOTAL> 6,527,000
<INTEREST-DEPOSIT> 3,050,000
<INTEREST-EXPENSE> 3,050,000
<INTEREST-INCOME-NET> 3,477,000
<LOAN-LOSSES> 57,000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 727,000
<INCOME-PRETAX> 1,307,000
<INCOME-PRE-EXTRAORDINARY> 1,307,000
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 821,000
<EPS-BASIC> .34
<EPS-DILUTED> .32
<YIELD-ACTUAL> 8.3
<LOANS-NON> 1,832,000
<LOANS-PAST> 947,000
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,038,000
<CHARGE-OFFS> 130,000
<RECOVERIES> 18,000
<ALLOWANCE-CLOSE> 983,000
<ALLOWANCE-DOMESTIC> 0
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 983,000
</TABLE>