<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
CONSOLIDATED  CONDENSED  BALANCE SHEET AT JUNE, 2000  (UNAUDITED),  CONSOLIDATED
CONDENSED STATEMENT OF INCOME FOR THE SIX MONTHS ENDED JUNE 30, 2000 (UNAUDITED)
AND  THE  NOTES  TO THE  CONSOLIDATED  CONDENSED  FINANCIAL  STATESMENTS  AND IS
QUALIFIED IN ITS ENTIRETY BY FREFERENCE TO SUCH FINANCIAL STATEMENTS
</LEGEND>
<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>                                           9,005
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                10,455
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     22,532
<INVESTMENTS-CARRYING>                          10,497
<INVESTMENTS-MARKET>                            10,334
<LOANS>                                         99,672
<ALLOWANCE>                                      1,375
<TOTAL-ASSETS>                                 156,934
<DEPOSITS>                                     137,136
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,204
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        21,299
<OTHER-SE>                                      (2,679)
<TOTAL-LIABILITIES-AND-EQUITY>                 156,934
<INTEREST-LOAN>                                  3,698
<INTEREST-INVEST>                                  892
<INTEREST-OTHER>                                   319
<INTEREST-TOTAL>                                 4,909
<INTEREST-DEPOSIT>                               2,027
<INTEREST-EXPENSE>                               2,027
<INTEREST-INCOME-NET>                            2,882
<LOAN-LOSSES>                                      138
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,775
<INCOME-PRETAX>                                    386
<INCOME-PRE-EXTRAORDINARY>                         386
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       386
<EPS-BASIC>                                       0.20
<EPS-DILUTED>                                     0.20
<YIELD-ACTUAL>                                   0.077
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,237
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,375
<ALLOWANCE-DOMESTIC>                             1,187
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            188


</TABLE>