<TABLE> <S> <C>


<ARTICLE>                     9

<LEGEND>
This schedule contains summary financial information extracted from the
registrants unaudited March 31, 2000 quarterly financial statements and is
qualified in its entirety by reference to such financial statements.
</LEGEND>

<S>                                  <C>
<PERIOD-TYPE>                        6-MOS
<FISCAL-YEAR-END>                                          DEC-31-2000
<PERIOD-END>                                               JUN-30-2000
<CASH>                                                          26,245
<INT-BEARING-DEPOSITS>                                               0
<FED-FUNDS-SOLD>                                                 8,000
<TRADING-ASSETS>                                                     0
<INVESTMENTS-HELD-FOR-SALE>                                     38,322
<INVESTMENTS-CARRYING>                                          33,670
<INVESTMENTS-MARKET>                                            31,644
<LOANS>                                                        286,247
<ALLOWANCE>                                                      2,466
<TOTAL-ASSETS>                                                 417,706
<DEPOSITS>                                                     384,808
<SHORT-TERM>                                                         0
<LONG-TERM>                                                      3,854
<LIABILITIES-OTHER>                                              3,736
                                                0
                                                      4,929
<COMMON>                                                        26,233
<OTHER-SE>                                                      (5,854)
<TOTAL-LIABILITIES-AND-EQUITY>                                 417,706
<INTEREST-LOAN>                                                 11,624
<INTEREST-INVEST>                                                2,316
<INTEREST-OTHER>                                                   129
<INTEREST-TOTAL>                                                14,069
<INTEREST-DEPOSIT>                                               7,596
<INTEREST-EXPENSE>                                               8,271
<INTEREST-INCOME-NET>                                            5,798
<LOAN-LOSSES>                                                      336
<SECURITIES-GAINS>                                                   5
<EXPENSE-OTHER>                                                  4,274
<INCOME-PRETAX>                                                 (2,162)
<INCOME-PRE-EXTRAORDINARY>                                      (2,162)
<EXTRAORDINARY>                                                      0
<CHANGES>                                                            0
<NET-INCOME>                                                    (1,280)
<EPS-BASIC>                                                      (0.38)
<EPS-DILUTED>                                                    (0.38)
<YIELD-ACTUAL>                                                   0.031
<LOANS-NON>                                                      2,131
<LOANS-PAST>                                                       920
<LOANS-TROUBLED>                                                     0
<LOANS-PROBLEM>                                                      0
<ALLOWANCE-OPEN>                                                 2,173
<CHARGE-OFFS>                                                       73
<RECOVERIES>                                                        30
<ALLOWANCE-CLOSE>                                                2,466
<ALLOWANCE-DOMESTIC>                                             2,466
<ALLOWANCE-FOREIGN>                                                  0
<ALLOWANCE-UNALLOCATED>                                              0





</TABLE>



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