<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER>  1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                                                       493
<INT-BEARING-DEPOSITS>                                                       463
<FED-FUNDS-SOLD>                                                               0
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                                    0
<INVESTMENTS-CARRYING>                                                     4,575
<INVESTMENTS-MARKET>                                                       4,420
<LOANS>                                                                   21,034
<ALLOWANCE>                                                                  179
<TOTAL-ASSETS>                                                            27,174
<DEPOSITS>                                                                23,069
<SHORT-TERM>                                                               1,000
<LIABILITIES-OTHER>                                                          233
<LONG-TERM>                                                                    0
<COMMON>                                                                       1
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<OTHER-SE>                                                                 2,871
<TOTAL-LIABILITIES-AND-EQUITY>                                            27,174
<INTEREST-LOAN>                                                              831
<INTEREST-INVEST>                                                            136
<INTEREST-OTHER>                                                              42
<INTEREST-TOTAL>                                                           1,009
<INTEREST-DEPOSIT>                                                           531
<INTEREST-EXPENSE>                                                           567
<INTEREST-INCOME-NET>                                                        442
<LOAN-LOSSES>                                                                 19
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                              321
<INCOME-PRETAX>                                                              130
<INCOME-PRE-EXTRAORDINARY>                                                    82
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                                  82
<EPS-BASIC>                                                                  .61
<EPS-DILUTED>                                                                .61
<YIELD-ACTUAL>                                                              3.36
<LOANS-NON>                                                                   31
<LOANS-PAST>                                                                   0
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                                0
<ALLOWANCE-OPEN>                                                             176
<CHARGE-OFFS>                                                                 17
<RECOVERIES>                                                                   1
<ALLOWANCE-CLOSE>                                                            179
<ALLOWANCE-DOMESTIC>                                                           0
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                      179


</TABLE>