<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED
FROM OUR DECEMBER 31, 1999 10-KSB AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-END>                                   JUN-30-2000
<CASH>                                                   0
<INT-BEARING-DEPOSITS>                               7,474
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         44,087
<INVESTMENTS-CARRYING>                              15,545
<INVESTMENTS-MARKET>                                15,290
<LOANS>                                            103,295
<ALLOWANCE>                                          1,109
<TOTAL-ASSETS>                                     179,988
<DEPOSITS>                                         145,403
<SHORT-TERM>                                         4,786
<LIABILITIES-OTHER>                                  1,004
<LONG-TERM>                                          9,500
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                             5,914
<OTHER-SE>                                          11,536
<TOTAL-LIABILITIES-AND-EQUITY>                     179,988
<INTEREST-LOAN>                                      2,221
<INTEREST-INVEST>                                      847
<INTEREST-OTHER>                                        32
<INTEREST-TOTAL>                                     3,100
<INTEREST-DEPOSIT>                                  14,283
<INTEREST-EXPENSE>                                   1,443
<INTEREST-INCOME-NET>                                1,657
<LOAN-LOSSES>                                           20
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      1,015
<INCOME-PRETAX>                                        887
<INCOME-PRE-EXTRAORDINARY>                             887
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           681
<EPS-BASIC>                                           0.85
<EPS-DILUTED>                                         0.77
<YIELD-ACTUAL>                                        4.32
<LOANS-NON>                                             85
<LOANS-PAST>                                            36
<LOANS-TROUBLED>                                       105
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                      1092
<CHARGE-OFFS>                                           29
<RECOVERIES>                                             6
<ALLOWANCE-CLOSE>                                     1109
<ALLOWANCE-DOMESTIC>                                  1109
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0



</TABLE>