<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
QUARTERLY  REPORT ON FORM 10-QSB FOR THE  COMPANY FOR THE PERIOD  ENDED JUNE 30,
2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO THE  FINANCIAL  STATEMENTS
AND OTHER INFORMATION CONTAINED IN THAT REPORT.
</LEGEND>
<MULTIPLIER>                                       1,000

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                            DEC-31-2000
<PERIOD-END>                                 JUN-30-2000
<CASH>                                             3,902
<INT-BEARING-DEPOSITS>                                 0
<FED-FUNDS-SOLD>                                  18,800
<TRADING-ASSETS>                                       0
<INVESTMENTS-HELD-FOR-SALE>                        4,536
<INVESTMENTS-CARRYING>                                 0
<INVESTMENTS-MARKET>                                   0
<LOANS>                                           93,492
<ALLOWANCE>                                        1,077
<TOTAL-ASSETS>                                   126,641
<DEPOSITS>                                        91,139
<SHORT-TERM>                                       6,000
<LIABILITIES-OTHER>                                  651
<LONG-TERM>                                            0
<PREFERRED-MANDATORY>                                  0
<PREFERRED>                                            0
<COMMON>                                           4,246
<OTHER-SE>                                        24,605
<TOTAL-LIABILITIES-AND-EQUITY>                   126,641
<INTEREST-LOAN>                                    3,412
<INTEREST-INVEST>                                    143
<INTEREST-OTHER>                                     603
<INTEREST-TOTAL>                                   4,158
<INTEREST-DEPOSIT>                                 1,478
<INTEREST-EXPENSE>                                 1,670
<INTEREST-INCOME-NET>                              2,489
<LOAN-LOSSES>                                        351
<SECURITIES-GAINS>                                     0
<EXPENSE-OTHER>                                    5,038
<INCOME-PRETAX>                                   (1,820)
<INCOME-PRE-EXTRAORDINARY>                        (1,820)
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                      (1,820)
<EPS-BASIC>                                        (0.43)
<EPS-DILUTED>                                      (0.43)
<YIELD-ACTUAL>                                      7.91
<LOANS-NON>                                            0
<LOANS-PAST>                                           0
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                    1,521
<ALLOWANCE-OPEN>                                     726
<CHARGE-OFFS>                                          0
<RECOVERIES>                                           0
<ALLOWANCE-CLOSE>                                  1,077
<ALLOWANCE-DOMESTIC>                               1,077
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                              111



</TABLE>