<TABLE> <S> <C>


<ARTICLE>                                                              9
<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>                                                               617
<INT-BEARING-DEPOSITS>                                             6,273
<FED-FUNDS-SOLD>                                                       0
<TRADING-ASSETS>                                                       0
<INVESTMENTS-HELD-FOR-SALE>                                       17,187
<INVESTMENTS-CARRYING>                                                 0
<INVESTMENTS-MARKET>                                                   0
<LOANS>                                                           98,200
<ALLOWANCE>                                                          581
<TOTAL-ASSETS>                                                   129,671
<DEPOSITS>                                                        86,440
<SHORT-TERM>                                                           0
<LIABILITIES-OTHER>                                                2,151
<LONG-TERM>                                                       25,000
<PREFERRED-MANDATORY>                                                  0
<PREFERRED>                                                            0
<COMMON>                                                           5,515
<OTHER-SE>                                                        10,565
<TOTAL-LIABILITIES-AND-EQUITY>                                   129,671
<INTEREST-LOAN>                                                    3,819
<INTEREST-INVEST>                                                    544
<INTEREST-OTHER>                                                     189
<INTEREST-TOTAL>                                                   4,552
<INTEREST-DEPOSIT>                                                 1,919
<INTEREST-EXPENSE>                                                 2,611
<INTEREST-INCOME-NET>                                              1,941
<LOAN-LOSSES>                                                        141
<SECURITIES-GAINS>                                                     0
<EXPENSE-OTHER>                                                      982
<INCOME-PRETAX>                                                      917
<INCOME-PRE-EXTRAORDINARY>                                           630
<EXTRAORDINARY>                                                        0
<CHANGES>                                                              0
<NET-INCOME>                                                         630
<EPS-BASIC>                                                          .57
<EPS-DILUTED>                                                        .57
<YIELD-ACTUAL>                                                      3.51
<LOANS-NON>                                                          174
<LOANS-PAST>                                                           0
<LOANS-TROUBLED>                                                       0
<LOANS-PROBLEM>                                                        0
<ALLOWANCE-OPEN>                                                     440
<CHARGE-OFFS>                                                          0
<RECOVERIES>                                                           0
<ALLOWANCE-CLOSE>                                                    581
<ALLOWANCE-DOMESTIC>                                                   0
<ALLOWANCE-FOREIGN>                                                    0
<ALLOWANCE-UNALLOCATED>                                              581



</TABLE>