<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from Form
10-QSB for the period 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-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 5,029
<INT-BEARING-DEPOSITS> 225
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 53,053
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 164,669
<ALLOWANCE> 1,597
<TOTAL-ASSETS> 229,193
<DEPOSITS> 153,466
<SHORT-TERM> 10,258
<LIABILITIES-OTHER> 5,179
<LONG-TERM> 35,000
<COMMON> 23
0
0
<OTHER-SE> 25,267
<TOTAL-LIABILITIES-AND-EQUITY> 229,193
<INTEREST-LOAN> 6,999
<INTEREST-INVEST> 1,676
<INTEREST-OTHER> 127
<INTEREST-TOTAL> 8,802
<INTEREST-DEPOSIT> 2,984
<INTEREST-EXPENSE> 4,291
<INTEREST-INCOME-NET> 4,511
<LOAN-LOSSES> 330
<SECURITIES-GAINS> (124)
<EXPENSE-OTHER> 3,600 <F1>
<INCOME-PRETAX> 1,068
<INCOME-PRE-EXTRAORDINARY> 710
<EXTRAORDINARY> 78
<CHANGES> 0
<NET-INCOME> 788
<EPS-BASIC> .39
<EPS-DILUTED> .39
<YIELD-ACTUAL> 4.18
<LOANS-NON> 1,470
<LOANS-PAST> 7
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,331
<CHARGE-OFFS> 67
<RECOVERIES> 3
<ALLOWANCE-CLOSE> 1,597
<ALLOWANCE-DOMESTIC> 0 <F2>
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0 <F2>
<FN>
(1) Other expense includes: salaries and employee benefits of $1,913,
occupancy expense of $572, and other expenses which totaled $1,115.
(2) Items are only disclosed on an annual basis in the Company"s Form 10-KSB,
and are, therefore, not included in this Financial Data Schedule.
</FN>
</TABLE>
