<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-Q FOR QUARTER ENDED JUNE 30, 1999 AND IS QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
<S> <C>
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-1-2000
<PERIOD-END> JUN-30-2000
<CASH> 5,102
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 1,399
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 48,097
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 297,446
<ALLOWANCE> (1,497)
<TOTAL-ASSETS> 349,972
<DEPOSITS> 208,044
<SHORT-TERM> 23,200
<LIABILITIES-OTHER> 1,748
<LONG-TERM> 75,103
0
0
<COMMON> 26
<OTHER-SE> 41,851
<TOTAL-LIABILITIES-AND-EQUITY> 349,972
<INTEREST-LOAN> 5,435
<INTEREST-INVEST> 805
<INTEREST-OTHER> 162
<INTEREST-TOTAL> 6,402
<INTEREST-DEPOSIT> 2,574
<INTEREST-EXPENSE> 3,987
<INTEREST-INCOME-NET> 2,515
<LOAN-LOSSES> 84
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1,980
<INCOME-PRETAX> 752
<INCOME-PRE-EXTRAORDINARY> 752
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 485
<EPS-BASIC> 0.26
<EPS-DILUTED> 0.26
<YIELD-ACTUAL> 3
<LOANS-NON> 2,082
<LOANS-PAST> 2,082
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 1,796
<ALLOWANCE-OPEN> 2,831
<CHARGE-OFFS> 1,440
<RECOVERIES> 22
<ALLOWANCE-CLOSE> 1,497
<ALLOWANCE-DOMESTIC> 0
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>