<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>                                              19,510
<INT-BEARING-DEPOSITS>                               9,258
<FED-FUNDS-SOLD>                                       576
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         23,281
<INVESTMENTS-CARRYING>                               1,014
<INVESTMENTS-MARKET>                                 1,025
<LOANS>                                            210,957
<ALLOWANCE>                                          2,129
<TOTAL-ASSETS>                                     272,076
<DEPOSITS>                                         227,045
<SHORT-TERM>                                        18,000
<LIABILITIES-OTHER>                                    584
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                             2,452
<OTHER-SE>                                          11,486
<TOTAL-LIABILITIES-AND-EQUITY>                     272,076
<INTEREST-LOAN>                                     10,028
<INTEREST-INVEST>                                      945
<INTEREST-OTHER>                                       204
<INTEREST-TOTAL>                                    11,177
<INTEREST-DEPOSIT>                                   5,055
<INTEREST-EXPENSE>                                   6,336
<INTEREST-INCOME-NET>                                4,841
<LOAN-LOSSES>                                        1,205
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                      4,105
<INCOME-PRETAX>                                        246
<INCOME-PRE-EXTRAORDINARY>                             246
<EXTRAORDINARY>                                        (84)
<CHANGES>                                                0
<NET-INCOME>                                           162
<EPS-BASIC>                                            .08
<EPS-DILUTED>                                          .08
<YIELD-ACTUAL>                                        8.85
<LOANS-NON>                                            301
<LOANS-PAST>                                         1,596
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                        103
<ALLOWANCE-OPEN>                                     1,303
<CHARGE-OFFS>                                          399
<RECOVERIES>                                            20
<ALLOWANCE-CLOSE>                                    2,129
<ALLOWANCE-DOMESTIC>                                 2,129
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0



</TABLE>