<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 10-Q
DATED AUGUST 11, 2000 FOR THE PERIOD ENDED JUNE 30, 2000 AND IS QUALIFIED IN ITS
ENTIRETY BY REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<S>                             <C>                     <C>
<PERIOD-TYPE>                   6-MOS                   6-MOS
<FISCAL-YEAR-END>                          JUN-30-2000             JUN-30-1999
<PERIOD-START>                             JAN-01-2000             JAN-01-1999
<PERIOD-END>                               JUN-30-2000             JUN-30-1999
<CASH>                                          26,174                  14,496
<INT-BEARING-DEPOSITS>                             174                       0
<FED-FUNDS-SOLD>                                52,884                   2,500
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                      4,376                  46,604
<INVESTMENTS-CARRYING>                          37,587                   6,259
<INVESTMENTS-MARKET>                            36,976                   6,336
<LOANS>                                        741,616                 417,416
<ALLOWANCE>                                      7,721                   3,621
<TOTAL-ASSETS>                                 874,480                 499,383
<DEPOSITS>                                     774,546                 428,512
<SHORT-TERM>                                     7,859                   9,563
<LIABILITIES-OTHER>                              5,679                   3,154
<LONG-TERM>                                     31,978                  12,193
<PREFERRED-MANDATORY>                           23,000                  23,000
<PREFERRED>                                          0                       0
<COMMON>                                         2,805                     144
<OTHER-SE>                                      28,614                  22,817
<TOTAL-LIABILITIES-AND-EQUITY>                 874,480                 499,383
<INTEREST-LOAN>                                 36,227                  17,642
<INTEREST-INVEST>                                1,319                   1,096
<INTEREST-OTHER>                                   407                     414
<INTEREST-TOTAL>                                37,953                  19,152
<INTEREST-DEPOSIT>                              16,687                   8,495
<INTEREST-EXPENSE>                              20,019                   9,773
<INTEREST-INCOME-NET>                           17,934                   9,379
<LOAN-LOSSES>                                    2,930                   1,429
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                 11,465                   6,939
<INCOME-PRETAX>                                  7,018                   2,910
<INCOME-PRE-EXTRAORDINARY>                       4,499                   1,953
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     4,499                   1,953
<EPS-BASIC>                                        .58                   13.66
<EPS-DILUTED>                                      .58                   13.66
<YIELD-ACTUAL>                                    4.70                       0
<LOANS-NON>                                      3,568                     352
<LOANS-PAST>                                        90                     334
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 5,322                   2,187
<CHARGE-OFFS>                                      587                      31
<RECOVERIES>                                        56                      36
<ALLOWANCE-CLOSE>                                7,721                   3,621
<ALLOWANCE-DOMESTIC>                                 0                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          7,721                   3,621


</TABLE>