<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>                                                         9,485
<INT-BEARING-DEPOSITS>                                           430
<FED-FUNDS-SOLD>                                                   0
<TRADING-ASSETS>                                                   0
<INVESTMENTS-HELD-FOR-SALE>                                   10,216
<INVESTMENTS-CARRYING>                                        16,341
<INVESTMENTS-MARKET>                                          15,862
<LOANS>                                                      167,865
<ALLOWANCE>                                                    2,658
<TOTAL-ASSETS>                                               223,048
<DEPOSITS>                                                   179,491
<SHORT-TERM>                                                       0
<LIABILITIES-OTHER>                                            2,648
<LONG-TERM>                                                      630
<PREFERRED-MANDATORY>                                              0
<PREFERRED>                                                      100
<COMMON>                                                          42
<OTHER-SE>                                                    17,786
<TOTAL-LIABILITIES-AND-EQUITY>                               223,048
<INTEREST-LOAN>                                                7,820
<INTEREST-INVEST>                                                781
<INTEREST-OTHER>                                                 282
<INTEREST-TOTAL>                                               8,883
<INTEREST-DEPOSIT>                                             3,151
<INTEREST-EXPENSE>                                             3,672
<INTEREST-INCOME-NET>                                          5,210
<LOAN-LOSSES>                                                    350
<SECURITIES-GAINS>                                                 0
<EXPENSE-OTHER>                                                5,414
<INCOME-PRETAX>                                                1,932
<INCOME-PRE-EXTRAORDINARY>                                     1,932
<EXTRAORDINARY>                                                    0
<CHANGES>                                                          0
<NET-INCOME>                                                   1,241
<EPS-BASIC>                                                   0.29
<EPS-DILUTED>                                                   0.28
<YIELD-ACTUAL>                                                  5.41
<LOANS-NON>                                                    2,486
<LOANS-PAST>                                                       1
<LOANS-TROUBLED>                                                   0
<LOANS-PROBLEM>                                                    0
<ALLOWANCE-OPEN>                                               2,341
<CHARGE-OFFS>                                                     44
<RECOVERIES>                                                      11
<ALLOWANCE-CLOSE>                                              2,658
<ALLOWANCE-DOMESTIC>                                           2,658
<ALLOWANCE-FOREIGN>                                                0
<ALLOWANCE-UNALLOCATED>                                          329


</TABLE>