<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>                                                        215
<INT-BEARING-DEPOSITS>                                        555
<FED-FUNDS-SOLD>                                                0
<TRADING-ASSETS>                                                0
<INVESTMENTS-HELD-FOR-SALE>                                 1,423
<INVESTMENTS-CARRYING>                                        686
<INVESTMENTS-MARKET>                                          687
<LOANS>                                                    22,507
<ALLOWANCE>                                                   184
<TOTAL-ASSETS>                                             27,112
<DEPOSITS>                                                 17,184
<SHORT-TERM>                                                    0
<LIABILITIES-OTHER>                                           789
<LONG-TERM>                                                 6,455
<PREFERRED-MANDATORY>                                           0
<PREFERRED>                                                     0
<COMMON>                                                       24
<OTHER-SE>                                                  2,660
<TOTAL-LIABILITIES-AND-EQUITY>                             27,112
<INTEREST-LOAN>                                               866
<INTEREST-INVEST>                                             156
<INTEREST-OTHER>                                               27
<INTEREST-TOTAL>                                            1,049
<INTEREST-DEPOSIT>                                            359
<INTEREST-EXPENSE>                                            612
<INTEREST-INCOME-NET>                                         437
<LOAN-LOSSES>                                                  52
<SECURITIES-GAINS>                                           (284)
<EXPENSE-OTHER>                                               380
<INCOME-PRETAX>                                              (227)
<INCOME-PRE-EXTRAORDINARY>                                   (227)
<EXTRAORDINARY>                                                 0
<CHANGES>                                                       0
<NET-INCOME>                                                 (146)
<EPS-BASIC>                                                 (0.72)
<EPS-DILUTED>                                               (0.72)
<YIELD-ACTUAL>                                               3.10
<LOANS-NON>                                                    26
<LOANS-PAST>                                                    0
<LOANS-TROUBLED>                                                0
<LOANS-PROBLEM>                                                 0
<ALLOWANCE-OPEN>                                              204
<CHARGE-OFFS>                                                  70
<RECOVERIES>                                                    0
<ALLOWANCE-CLOSE>                                             184
<ALLOWANCE-DOMESTIC>                                          184
<ALLOWANCE-FOREIGN>                                             0
<ALLOWANCE-UNALLOCATED>                                         0


</TABLE>