<TABLE> <S> <C>

<ARTICLE>                     9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
THE PRECEDING FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                        1,000

<S>                                                 <C>
<PERIOD-TYPE>                                          YEAR
<FISCAL-YEAR-END>                                      DEC-31-2000
<PERIOD-START>                                         JAN-01-2000
<PERIOD-END>                                           JUN-30-2000
<CASH>                                                                4,156
<INT-BEARING-DEPOSITS>                                                  109
<FED-FUNDS-SOLD>                                                          0
<TRADING-ASSETS>                                                          0
<INVESTMENTS-HELD-FOR-SALE>                                               0
<INVESTMENTS-CARRYING>                                               23,697
<INVESTMENTS-MARKET>                                                 23,033
<LOANS>                                                             127,195
<ALLOWANCE>                                                         (1,469)
<TOTAL-ASSETS>                                                      162,113
<DEPOSITS>                                                          131,462
<SHORT-TERM>                                                         15,100
<LIABILITIES-OTHER>                                                   1,648
<LONG-TERM>                                                               0
<PREFERRED-MANDATORY>                                                     0
<PREFERRED>                                                             552
<COMMON>                                                              9,151
<OTHER-SE>                                                            (898)
<TOTAL-LIABILITIES-AND-EQUITY>                                      162,113
<INTEREST-LOAN>                                                       5,368
<INTEREST-INVEST>                                                       712
<INTEREST-OTHER>                                                         42
<INTEREST-TOTAL>                                                      6,122
<INTEREST-DEPOSIT>                                                    2,327
<INTEREST-EXPENSE>                                                    2,767
<INTEREST-INCOME-NET>                                                 3,355
<LOAN-LOSSES>                                                           180
<SECURITIES-GAINS>                                                        0
<EXPENSE-OTHER>                                                           0
<INCOME-PRETAX>                                                         665
<INCOME-PRE-EXTRAORDINARY>                                              665
<EXTRAORDINARY>                                                           0
<CHANGES>                                                                 0
<NET-INCOME>                                                            395
<EPS-BASIC>                                                            0.41
<EPS-DILUTED>                                                          0.41
<YIELD-ACTUAL>                                                        0.082
<LOANS-NON>                                                             583
<LOANS-PAST>                                                              0
<LOANS-TROUBLED>                                                          0
<LOANS-PROBLEM>                                                           0
<ALLOWANCE-OPEN>                                                    (1,439)
<CHARGE-OFFS>                                                           149
<RECOVERIES>                                                              0
<ALLOWANCE-CLOSE>                                                   (1,469)
<ALLOWANCE-DOMESTIC>                                                (1,469)
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                                 382


</TABLE>