<TABLE> <S> <C>

<ARTICLE>                                      9
<MULTIPLIER>                                   1000

<S>                                            <C>
<PERIOD-TYPE>                                  6-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-END>                                   JUN-30-2000
<CASH>                                                        14,795
<INT-BEARING-DEPOSITS>                                             0
<FED-FUNDS-SOLD>                                                   0
<TRADING-ASSETS>                                                   0
<INVESTMENTS-HELD-FOR-SALE>                                   32,407
<INVESTMENTS-CARRYING>                                        36,011
<INVESTMENTS-MARKET>                                          35,844
<LOANS>                                                       97,822
<ALLOWANCE>                                                    1,428
<TOTAL-ASSETS>                                               151,554
<DEPOSITS>                                                   126,797
<SHORT-TERM>                                                       0
<LIABILITIES-OTHER>                                           11,290
<LONG-TERM>                                                        0
<PREFERRED-MANDATORY>                                              0
<PREFERRED>                                                        0
<COMMON>                                                      14,024
<OTHER-SE>                                                     (557)
<TOTAL-LIABILITIES-AND-EQUITY>                               151,554
<INTEREST-LOAN>                                                4,542
<INTEREST-INVEST>                                              1,137
<INTEREST-OTHER>                                                  12
<INTEREST-TOTAL>                                               5,691
<INTEREST-DEPOSIT>                                             2,233
<INTEREST-EXPENSE>                                               161
<INTEREST-INCOME-NET>                                          3,297
<LOAN-LOSSES>                                                     42
<SECURITIES-GAINS>                                                 0
<EXPENSE-OTHER>                                                2,702
<INCOME-PRETAX>                                                1,120
<INCOME-PRE-EXTRAORDINARY>                                       691
<EXTRAORDINARY>                                                    0
<CHANGES>                                                          0
<NET-INCOME>                                                     691
<EPS-BASIC>                                                      .34
<EPS-DILUTED>                                                    .34
<YIELD-ACTUAL>                                                  4.59
<LOANS-NON>                                                      362
<LOANS-PAST>                                                     139
<LOANS-TROUBLED>                                                   0
<LOANS-PROBLEM>                                                1,045
<ALLOWANCE-OPEN>                                               1,464
<CHARGE-OFFS>                                                     92
<RECOVERIES>                                                      14
<ALLOWANCE-CLOSE>                                              1,428
<ALLOWANCE-DOMESTIC>                                           1,428
<ALLOWANCE-FOREIGN>                                                0
<ALLOWANCE-UNALLOCATED>                                        1,413



</TABLE>