<TABLE> <S> <C>

<ARTICLE>      9
<LEGEND>
This  schedule  contains  summary  financial   information  extracted  from  the
unaudited  Consolidated  Balance  Sheet  at June  30,  2000  and  the  unaudited
Consolidated  Statement  of Income for the six months ended June 30, 2000 and is
qualified in its entirety by reference to such financial statements.
</LEGEND>
<MULTIPLIER>               1,000

<S>                                                                                                <C>
<PERIOD-TYPE>                                                                                            6-MOS
<FISCAL-YEAR-END>                                                                                  DEC-31-2000
<PERIOD-END>                                                                                       JUN-30-2000
<CASH>                                                                                                   2,991
<INT-BEARING-DEPOSITS>                                                                                       0
<FED-FUNDS-SOLD>                                                                                         6,530
<TRADING-ASSETS>                                                                                             0
<INVESTMENTS-HELD-FOR-SALE>                                                                             55,660
<INVESTMENTS-CARRYING>                                                                                       0
<INVESTMENTS-MARKET>                                                                                         0
<LOANS>                                                                                                 86,562
<ALLOWANCE>                                                                                              1,000
<TOTAL-ASSETS>                                                                                         158,167
<DEPOSITS>                                                                                             144,185
<SHORT-TERM>                                                                                                 0
<LIABILITIES-OTHER>                                                                                      1,191
<LONG-TERM>                                                                                                  0
<PREFERRED-MANDATORY>                                                                                        0
<PREFERRED>                                                                                                  0
<COMMON>                                                                                                12,417
<OTHER-SE>                                                                                                 374
<TOTAL-LIABILITIES-AND-EQUITY>                                                                         158,167
<INTEREST-LOAN>                                                                                          3,508
<INTEREST-INVEST>                                                                                        1,787
<INTEREST-OTHER>                                                                                           546
<INTEREST-TOTAL>                                                                                         5,841
<INTEREST-DEPOSIT>                                                                                       3,280
<INTEREST-EXPENSE>                                                                                       3,280
<INTEREST-INCOME-NET>                                                                                    2,561
<LOAN-LOSSES>                                                                                              182
<SECURITIES-GAINS>                                                                                           0
<EXPENSE-OTHER>                                                                                          1,379
<INCOME-PRETAX>                                                                                          1,380
<INCOME-PRE-EXTRAORDINARY>                                                                                 881
<EXTRAORDINARY>                                                                                              0
<CHANGES>                                                                                                    0
<NET-INCOME>                                                                                               881
<EPS-BASIC>                                                                                                .45
<EPS-DILUTED>                                                                                              .42
<YIELD-ACTUAL>                                                                                            3.27
<LOANS-NON>                                                                                                298
<LOANS-PAST>                                                                                                 0
<LOANS-TROUBLED>                                                                                             0
<LOANS-PROBLEM>                                                                                            362
<ALLOWANCE-OPEN>                                                                                           943
<CHARGE-OFFS>                                                                                              130
<RECOVERIES>                                                                                                 5
<ALLOWANCE-CLOSE>                                                                                        1,000
<ALLOWANCE-DOMESTIC>                                                                                     1,000
<ALLOWANCE-FOREIGN>                                                                                          0
<ALLOWANCE-UNALLOCATED>                                                                                      0


</TABLE>