<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> JUN-30-2000 <CASH> 6,600 <INT-BEARING-DEPOSITS> 51 <FED-FUNDS-SOLD> 2,015 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 26,622 <INVESTMENTS-CARRYING> 26,622 <INVESTMENTS-MARKET> 26,622 <LOANS> 191,181 <ALLOWANCE> 1,636 <TOTAL-ASSETS> 235,074 <DEPOSITS> 176,045 <SHORT-TERM> 5,000 <LIABILITIES-OTHER> 1,725 <LONG-TERM> 31,100 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 200 <OTHER-SE> 21,004 <TOTAL-LIABILITIES-AND-EQUITY> 235,074 <INTEREST-LOAN> 8,028 <INTEREST-INVEST> 830 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 8,858 <INTEREST-DEPOSIT> 3,792 <INTEREST-EXPENSE> 4,572 <INTEREST-INCOME-NET> 4,286 <LOAN-LOSSES> 150 <SECURITIES-GAINS> (4) <EXPENSE-OTHER> 3,307 <INCOME-PRETAX> 1,622 <INCOME-PRE-EXTRAORDINARY> 1,622 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,073 <EPS-BASIC> 1.44 <EPS-DILUTED> 1.44 <YIELD-ACTUAL> 8.71 <LOANS-NON> 1,070 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 2,682 <ALLOWANCE-OPEN> 1,628 <CHARGE-OFFS> 262 <RECOVERIES> 120 <ALLOWANCE-CLOSE> 1,636 <ALLOWANCE-DOMESTIC> 120 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0