<TABLE> <S> <C>

<ARTICLE>                                                                 9

<S>                                                                     <C>
<PERIOD-TYPE>                                                   6-MOS
<FISCAL-YEAR-END>                                               DEC-31-2000
<PERIOD-END>                                                    JUN-30-2000
<CASH>                                                            5,146,000
<INT-BEARING-DEPOSITS>                                            2,064,000
<FED-FUNDS-SOLD>                                                          0
<TRADING-ASSETS>                                                          0
<INVESTMENTS-HELD-FOR-SALE>                                      25,899,000
<INVESTMENTS-CARRYING>                                            8,788,000
<INVESTMENTS-MARKET>                                              8,772,000
<LOANS>                                                          89,284,000
<ALLOWANCE>                                                       1,293,000
<TOTAL-ASSETS>                                                  135,480,000
<DEPOSITS>                                                      119,240,000
<SHORT-TERM>                                                        400,000
<LIABILITIES-OTHER>                                                 572,000
<LONG-TERM>                                                         988,000
<PREFERRED-MANDATORY>                                                     0
<PREFERRED>                                                               0
<COMMON>                                                            602,000
<OTHER-SE>                                                       13,678,000
<TOTAL-LIABILITIES-AND-EQUITY>                                  135,480,000
<INTEREST-LOAN>                                                   1,898,000
<INTEREST-INVEST>                                                   526,000
<INTEREST-OTHER>                                                          0
<INTEREST-TOTAL>                                                  2,424,000
<INTEREST-DEPOSIT>                                                1,215,000
<INTEREST-EXPENSE>                                                1,229,000
<INTEREST-INCOME-NET>                                             1,195,000
<LOAN-LOSSES>                                                        53,000
<SECURITIES-GAINS>                                                        0
<EXPENSE-OTHER>                                                     141,000
<INCOME-PRETAX>                                                     468,000
<INCOME-PRE-EXTRAORDINARY>                                          468,000
<EXTRAORDINARY>                                                           0
<CHANGES>                                                                 0
<NET-INCOME>                                                        309,000
<EPS-BASIC>                                                          0.17
<EPS-DILUTED>                                                          0.17
<YIELD-ACTUAL>                                                         7.75
<LOANS-NON>                                                       1,055,000
<LOANS-PAST>                                                              0
<LOANS-TROUBLED>                                                          0
<LOANS-PROBLEM>                                                     271,000
<ALLOWANCE-OPEN>                                                  1,216,000
<CHARGE-OFFS>                                                        12,000
<RECOVERIES>                                                         36,000
<ALLOWANCE-CLOSE>                                                 1,293,000
<ALLOWANCE-DOMESTIC>                                              1,293,000
<ALLOWANCE-FOREIGN>                                                       0
<ALLOWANCE-UNALLOCATED>                                                   0


</TABLE>