<TABLE> <S> <C>

<ARTICLE>               9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-Q FOR QUARTER ENDED JUNE 30, 1999 AND IS QUALIFIED
IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER>                                   1,000

<S>                                                     <C>
<PERIOD-TYPE>                                             3-MOS
<FISCAL-YEAR-END>                                    DEC-31-2000
<PERIOD-START>                                        JAN-1-2000
<PERIOD-END>                                         JUN-30-2000
<CASH>                                                    5,102
<INT-BEARING-DEPOSITS>                                        0
<FED-FUNDS-SOLD>                                          1,399
<TRADING-ASSETS>                                              0
<INVESTMENTS-HELD-FOR-SALE>                              48,097
<INVESTMENTS-CARRYING>                                        0
<INVESTMENTS-MARKET>                                          0
<LOANS>                                                 297,446
<ALLOWANCE>                                              (1,497)
<TOTAL-ASSETS>                                          349,972
<DEPOSITS>                                              208,044
<SHORT-TERM>                                             23,200
<LIABILITIES-OTHER>                                       1,748
<LONG-TERM>                                              75,103
<PREFERRED-MANDATORY>                                         0
<PREFERRED>                                                   0
<COMMON>                                                     26
<OTHER-SE>                                               41,851
<TOTAL-LIABILITIES-AND-EQUITY>                          349,972
<INTEREST-LOAN>                                           5,435
<INTEREST-INVEST>                                           805
<INTEREST-OTHER>                                            162
<INTEREST-TOTAL>                                          6,402
<INTEREST-DEPOSIT>                                        2,574
<INTEREST-EXPENSE>                                        3,987
<INTEREST-INCOME-NET>                                     2,515
<LOAN-LOSSES>                                                84
<SECURITIES-GAINS>                                            0
<EXPENSE-OTHER>                                           1,980
<INCOME-PRETAX>                                             752
<INCOME-PRE-EXTRAORDINARY>                                  752
<EXTRAORDINARY>                                               0
<CHANGES>                                                     0
<NET-INCOME>                                                485
<EPS-BASIC>                                              0.26
<EPS-DILUTED>                                              0.26
<YIELD-ACTUAL>                                                3
<LOANS-NON>                                               2,082
<LOANS-PAST>                                              2,082
<LOANS-TROUBLED>                                              0
<LOANS-PROBLEM>                                           1,796
<ALLOWANCE-OPEN>                                          2,831
<CHARGE-OFFS>                                             1,440
<RECOVERIES>                                                 22
<ALLOWANCE-CLOSE>                                         1,497
<ALLOWANCE-DOMESTIC>                                          0
<ALLOWANCE-FOREIGN>                                           0
<ALLOWANCE-UNALLOCATED>                                       0


</TABLE>