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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER> 1000
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-END> JUN-30-2000
<CASH> 1,642
<INT-BEARING-DEPOSITS> 5,117
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 66,618
<INVESTMENTS-CARRYING> 60,078
<INVESTMENTS-MARKET> 58,315
<LOANS> 127,340
<ALLOWANCE> 1,429
<TOTAL-ASSETS> 270,828
<DEPOSITS> 196,546
<SHORT-TERM> 5,000
<LIABILITIES-OTHER> 2,347
<LONG-TERM> 39,393
0
0
<COMMON> 276
<OTHER-SE> 27,266
<TOTAL-LIABILITIES-AND-EQUITY> 270,828
<INTEREST-LOAN> 4,927
<INTEREST-INVEST> 4,445
<INTEREST-OTHER> 86
<INTEREST-TOTAL> 9,459
<INTEREST-DEPOSIT> 3,866
<INTEREST-EXPENSE> 5,123
<INTEREST-INCOME-NET> 4,335
<LOAN-LOSSES> 255
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 2,979
<INCOME-PRETAX> 1,480
<INCOME-PRE-EXTRAORDINARY> 1,480
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,088
<EPS-BASIC> 0.43
<EPS-DILUTED> 0.43
<YIELD-ACTUAL> 3.55
<LOANS-NON> 399
<LOANS-PAST> 85
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,360
<CHARGE-OFFS> 198
<RECOVERIES> 12
<ALLOWANCE-CLOSE> 1,429
<ALLOWANCE-DOMESTIC> 1,429
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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