<ARTICLE> 9 <MULTIPLIER> 1000 <CURRENCY> U.S.DOLLARS <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> JUN-30-2000 <EXCHANGE-RATE> 1 <CASH> 5,090 <INT-BEARING-DEPOSITS> 53,145 <FED-FUNDS-SOLD> 7,600 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 6,566 <INVESTMENTS-CARRYING> 17,242 <INVESTMENTS-MARKET> 16,875 <LOANS> 51,705 <ALLOWANCE> 921 <TOTAL-ASSETS> 92,560 <DEPOSITS> 82,315 <SHORT-TERM> 0 <LIABILITIES-OTHER> 751 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 13,672 <OTHER-SE> (3,956) <TOTAL-LIABILITIES-AND-EQUITY> 92,560 <INTEREST-LOAN> 2,361 <INTEREST-INVEST> 629 <INTEREST-OTHER> 193 <INTEREST-TOTAL> 3,183 <INTEREST-DEPOSIT> 1,025 <INTEREST-EXPENSE> 1,026 <INTEREST-INCOME-NET> 2,157 <LOAN-LOSSES> 60 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,012 <INCOME-PRETAX> 360 <INCOME-PRE-EXTRAORDINARY> 363 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 363 <EPS-BASIC> .09 <EPS-DILUTED> .09 <YIELD-ACTUAL> 5.24 <LOANS-NON> 2 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 853 <CHARGE-OFFS> 36 <RECOVERIES> 44 <ALLOWANCE-CLOSE> 921 <ALLOWANCE-DOMESTIC> 921 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 921