<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>                                                                     2,428
<INT-BEARING-DEPOSITS>                                                       360
<FED-FUNDS-SOLD>                                                           2,000
<TRADING-ASSETS>                                                               0
<INVESTMENTS-HELD-FOR-SALE>                                                8,542
<INVESTMENTS-CARRYING>                                                       695
<INVESTMENTS-MARKET>                                                         632
<LOANS>                                                                   73,543
<ALLOWANCE>                                                                  501
<TOTAL-ASSETS>                                                            91,534
<DEPOSITS>                                                                81,753
<SHORT-TERM>                                                                   0
<LIABILITIES-OTHER>                                                          433
<LONG-TERM>                                                                  142
<PREFERRED-MANDATORY>                                                          0
<PREFERRED>                                                                    0
<COMMON>                                                                   4,491
<OTHER-SE>                                                                 4,715
<TOTAL-LIABILITIES-AND-EQUITY>                                            91,534
<INTEREST-LOAN>                                                            3,242
<INTEREST-INVEST>                                                            213
<INTEREST-OTHER>                                                             121
<INTEREST-TOTAL>                                                           3,576
<INTEREST-DEPOSIT>                                                         1,660
<INTEREST-EXPENSE>                                                         1,665
<INTEREST-INCOME-NET>                                                      1,911
<LOAN-LOSSES>                                                               125
<SECURITIES-GAINS>                                                             0
<EXPENSE-OTHER>                                                            1,816
<INCOME-PRETAX>                                                              184
<INCOME-PRE-EXTRAORDINARY>                                                  184
<EXTRAORDINARY>                                                                0
<CHANGES>                                                                      0
<NET-INCOME>                                                                 116
<EPS-BASIC>                                                                 0.08
<EPS-DILUTED>                                                               0.08
<YIELD-ACTUAL>                                                              4.60
<LOANS-NON>                                                                1,414
<LOANS-PAST>                                                                   0
<LOANS-TROUBLED>                                                               0
<LOANS-PROBLEM>                                                            2,004
<ALLOWANCE-OPEN>                                                             401
<CHARGE-OFFS>                                                                 27
<RECOVERIES>                                                                   2
<ALLOWANCE-CLOSE>                                                            501
<ALLOWANCE-DOMESTIC>                                                         501
<ALLOWANCE-FOREIGN>                                                            0
<ALLOWANCE-UNALLOCATED>                                                        0


</TABLE>