WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
     This schedule contains summary financial information extracted from Form
     10-QSB for the period ended June 30, 2000 and is qualified in its entirety
     by reference to such financial statements.
</LEGEND>
<MULTIPLIER>                                   1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                              Dec-31-2000
<PERIOD-START>                                 Jan-01-2000
<PERIOD-END>                                   Jun-30-2000
<CASH>                                         818
<INT-BEARING-DEPOSITS>                         11
<FED-FUNDS-SOLD>                               229
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    2,805
<INVESTMENTS-CARRYING>                         500
<INVESTMENTS-MARKET>                           491
<LOANS>                                        7,313
<ALLOWANCE>                                    91
<TOTAL-ASSETS>                                 13,511
<DEPOSITS>                                     9,371
<SHORT-TERM>                                   0
<LIABILITIES-OTHER>                            134
<LONG-TERM>                                    0
<PREFERRED-MANDATORY>                          0
<PREFERRED>                                    0
<COMMON>                                       5
<OTHER-SE>                                     4,001
<TOTAL-LIABILITIES-AND-EQUITY>                 13,511
<INTEREST-LOAN>                                268
<INTEREST-INVEST>                              85
<INTEREST-OTHER>                               53
<INTEREST-TOTAL>                               406
<INTEREST-DEPOSIT>                             171
<INTEREST-EXPENSE>                             171
<INTEREST-INCOME-NET>                          235
<LOAN-LOSSES>                                  48
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                504(1)
<INCOME-PRETAX>                                (281)
<INCOME-PRE-EXTRAORDINARY>                     (173)
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   (173)
<EPS-BASIC>                                    (.34)
<EPS-DILUTED>                                  (.34)
<YIELD-ACTUAL>                                 3.2
<LOANS-NON>                                    0
<LOANS-PAST>                                   0
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               42
<CHARGE-OFFS>                                  0
<RECOVERIES>                                   0
<ALLOWANCE-CLOSE>                              91
<ALLOWANCE-DOMESTIC>                           91
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        0

<FN>
1       Other expense includes:  salaries and employee benefits of $187,
        occupancy of $84, professional fees of $40, data processing of $46,
        litigation expense of $89 and other expenses which totaled $58.
</FN>



</TABLE>