<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     CONSOLIDATED  FINANCIAL  STATEMENTS DATED JUNE 30, 2000 AND IS QUALIFIED IN
     ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATMENTS.
</LEGEND>

<MULTIPLIER>                                   1,000

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-START>                                 APR-01-2000
<PERIOD-END>                                   JUN-30-2000
<CASH>                                               9,391
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                     5,500
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         35,187
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                            116,877
<ALLOWANCE>                                          2,668
<TOTAL-ASSETS>                                     186,209
<DEPOSITS>                                         161,767
<SHORT-TERM>                                         8,347
<LIABILITIES-OTHER>                                    870
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                             9,250
<OTHER-SE>                                           5,975
<TOTAL-LIABILITIES-AND-EQUITY>                     186,209
<INTEREST-LOAN>                                      5,221
<INTEREST-INVEST>                                    1,147
<INTEREST-OTHER>                                       106
<INTEREST-TOTAL>                                     6,474
<INTEREST-DEPOSIT>                                   2,016
<INTEREST-EXPENSE>                                   2,190
<INTEREST-INCOME-NET>                                4,284
<LOAN-LOSSES>                                          100
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      4,858
<INCOME-PRETAX>                                        617
<INCOME-PRE-EXTRAORDINARY>                             542
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                           542
<EPS-BASIC>                                           0.36
<EPS-DILUTED>                                         0.35
<YIELD-ACTUAL>                                        5.66
<LOANS-NON>                                          7,070
<LOANS-PAST>                                             0
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                     2,580
<CHARGE-OFFS>                                           23
<RECOVERIES>                                            11
<ALLOWANCE-CLOSE>                                    2,668
<ALLOWANCE-DOMESTIC>                                 2,668
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                              1,245


</TABLE>