<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 6-MOS 3-MOS <FISCAL-YEAR-END> DEC-31-2000 DEC-31-2000 <PERIOD-START> JAN-01-2000 JAN-01-2000 <PERIOD-END> JUN-30-2000 MAR-31-2000 <CASH> 28,899 17,704 <INT-BEARING-DEPOSITS> 3,948 6,417 <FED-FUNDS-SOLD> 30,093 14,211 <TRADING-ASSETS> 0 0 <INVESTMENTS-HELD-FOR-SALE> 31,794 32,242 <INVESTMENTS-CARRYING> 12,866 14,854 <INVESTMENTS-MARKET> 12,820 14,854 <LOANS> 224,412 222,876 <ALLOWANCE> 3,987 4,052 <TOTAL-ASSETS> 341,678 318,164 <DEPOSITS> 310,343 286,946 <SHORT-TERM> 2,472 1,700 <LIABILITIES-OTHER> 3,572 2,712 <LONG-TERM> 0 0 <PREFERRED-MANDATORY> 0 0 <PREFERRED> 0 0 <COMMON> 19,849 19,565 <OTHER-SE> 5,442 7,241 <TOTAL-LIABILITIES-AND-EQUITY> 341,678 318,164 <INTEREST-LOAN> 11,553 5,575 <INTEREST-INVEST> 1,439 736 <INTEREST-OTHER> 843 256 <INTEREST-TOTAL> 13,835 6,567 <INTEREST-DEPOSIT> 3,495 1,565 <INTEREST-EXPENSE> 3,548 1,603 <INTEREST-INCOME-NET> 10,287 4,964 <LOAN-LOSSES> 0 0 <SECURITIES-GAINS> (11) (11) <EXPENSE-OTHER> 11,079 3,556 <INCOME-PRETAX> 926 2,210 <INCOME-PRE-EXTRAORDINARY> (199) 1,292 <EXTRAORDINARY> 0 0 <CHANGES> 0 0 <NET-INCOME> (199) 1,292 <EPS-BASIC> (0.05) 0.33 <EPS-DILUTED> (0.05) 0.32 <YIELD-ACTUAL> 6.975 7.012 <LOANS-NON> 2,268 442 <LOANS-PAST> 218 0 <LOANS-TROUBLED> 0 0 <LOANS-PROBLEM> 2,268 434 <ALLOWANCE-OPEN> 4,025 4,025 <CHARGE-OFFS> 92 15 <RECOVERIES> 54 42 <ALLOWANCE-CLOSE> 3,987 4,052 <ALLOWANCE-DOMESTIC> 3,987 4,052 <ALLOWANCE-FOREIGN> 0 0 <ALLOWANCE-UNALLOCATED> 0 0