<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                           4,883
<INT-BEARING-DEPOSITS>                             128
<FED-FUNDS-SOLD>                                11,426
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      7,069
<INVESTMENTS-CARRYING>                           1,782
<INVESTMENTS-MARKET>                             1,787
<LOANS>                                         63,282
<ALLOWANCE>                                        882
<TOTAL-ASSETS>                                  93,864
<DEPOSITS>                                      82,631
<SHORT-TERM>                                     1,548
<LIABILITIES-OTHER>                              3,139
<LONG-TERM>                                        854
                                0
                                          0
<COMMON>                                           303
<OTHER-SE>                                       2,479
<TOTAL-LIABILITIES-AND-EQUITY>                   5,692
<INTEREST-LOAN>                                  3,035
<INTEREST-INVEST>                                  266
<INTEREST-OTHER>                                   225
<INTEREST-TOTAL>                                 3,526
<INTEREST-DEPOSIT>                               1,187
<INTEREST-EXPENSE>                               1,348
<INTEREST-INCOME-NET>                            2,178
<LOAN-LOSSES>                                      120
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,759
<INCOME-PRETAX>                                    750
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       455
<EPS-BASIC>                                       1.51
<EPS-DILUTED>                                     1.51
<YIELD-ACTUAL>                                    5.07
<LOANS-NON>                                        654
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                    71
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   778
<CHARGE-OFFS>                                       66
<RECOVERIES>                                        50
<ALLOWANCE-CLOSE>                                  882
<ALLOWANCE-DOMESTIC>                               882
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>



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