<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> JUN-30-2000 <CASH> 11,358 <INT-BEARING-DEPOSITS> 286 <FED-FUNDS-SOLD> 10,900 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 26,228 <INVESTMENTS-CARRYING> 2,000 <INVESTMENTS-MARKET> 1,979 <LOANS> 147,627 <ALLOWANCE> 1,742 <TOTAL-ASSETS> 202,508 <DEPOSITS> 184,793 <SHORT-TERM> 750 <LIABILITIES-OTHER> 1,622 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 10,512 <OTHER-SE> 4,831 <TOTAL-LIABILITIES-AND-EQUITY> 202,508 <INTEREST-LOAN> 7,387 <INTEREST-INVEST> 917 <INTEREST-OTHER> 317 <INTEREST-TOTAL> 8,621 <INTEREST-DEPOSIT> 2,568 <INTEREST-EXPENSE> 2,584 <INTEREST-INCOME-NET> 6,037 <LOAN-LOSSES> 220 <SECURITIES-GAINS> (2) <EXPENSE-OTHER> 3,852 <INCOME-PRETAX> 2,413 <INCOME-PRE-EXTRAORDINARY> 2,413 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,414 <EPS-BASIC> 0.69 <EPS-DILUTED> 0.66 <YIELD-ACTUAL> 9.28 <LOANS-NON> 126 <LOANS-PAST> 40 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,492 <CHARGE-OFFS> 0 <RECOVERIES> 30 <ALLOWANCE-CLOSE> 1,742 <ALLOWANCE-DOMESTIC> 962 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 780