<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> JUN-30-2000 <CASH> 182 <INT-BEARING-DEPOSITS> 1,206 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 7,086 <INVESTMENTS-CARRYING> 505 <INVESTMENTS-MARKET> 456 <LOANS> 44,214 <ALLOWANCE> 183 <TOTAL-ASSETS> 54,470 <DEPOSITS> 36,535 <SHORT-TERM> 6,400 <LIABILITIES-OTHER> 1,493 <LONG-TERM> 3,000 <PREFERRED-MANDATORY> 4 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 7,037 <TOTAL-LIABILITIES-AND-EQUITY> 54,470 <INTEREST-LOAN> 1,625 <INTEREST-INVEST> 223 <INTEREST-OTHER> 89 <INTEREST-TOTAL> 1,936 <INTEREST-DEPOSIT> 871 <INTEREST-EXPENSE> 1,152 <INTEREST-INCOME-NET> 784 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 681 <INCOME-PRETAX> 117 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 38 <EPS-BASIC> .09 <EPS-DILUTED> .09 <YIELD-ACTUAL> 1.97 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 183 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 183 <ALLOWANCE-DOMESTIC> 183 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0