<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
UNAUDITED CONSOLIDATED STATE OF CONDITION AT JUNE 30, 2000 AND THE UNAUDITED
CONSOLIDATED STATEMENT OF OPERATIONS FOR THE SIX MONTHS ENDED JUNE 30, 2000 AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<CASH> 1,553
<INT-BEARING-DEPOSITS> 1,373
<FED-FUNDS-SOLD> 2,163
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 30,764
<INVESTMENTS-CARRYING> 33,152
<INVESTMENTS-MARKET> 30,764
<LOANS> 91,437
<ALLOWANCE> 262
<TOTAL-ASSETS> 132,164
<DEPOSITS> 81,131
<SHORT-TERM> 6,100
<LONG-TERM> 30,000
<LIABILITIES-OTHER> 2,812
0
0
<COMMON> 19
<OTHER-SE> 11,937
<TOTAL-LIABILITIES-AND-EQUITY> 132,164
<INTEREST-LOAN> 3,347
<INTEREST-INVEST> 1,170
<INTEREST-OTHER> 88
<INTEREST-TOTAL> 4,605
<INTEREST-DEPOSIT> 1,717
<INTEREST-EXPENSE> 1,130
<INTEREST-INCOME-NET> 1,758
<LOAN-LOSSES> 0
<SECURITIES-GAINS> 1,322
<EXPENSE-OTHER> 1,585
<INCOME-PRETAX> 1,509
<INCOME-PRE-EXTRAORDINARY> 1,509
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,146
<EPS-BASIC> .97
<EPS-DILUTED> .96
<YIELD-ACTUAL> 7.11
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 262
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 0
<ALLOWANCE-DOMESTIC> 0
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 262
</TABLE>