<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> JUN-30-2000 <CASH> 26,679 <INT-BEARING-DEPOSITS> 100 <FED-FUNDS-SOLD> 33,200 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 6,681 <INVESTMENTS-CARRYING> 14,186 <INVESTMENTS-MARKET> 20,639 <LOANS> 212,800 <ALLOWANCE> 2,639 <TOTAL-ASSETS> 322,320 <DEPOSITS> 292,345 <SHORT-TERM> 0 <LIABILITIES-OTHER> 943 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 12,788 <OTHER-SE> 16,244 <TOTAL-LIABILITIES-AND-EQUITY> 322,320 <INTEREST-LOAN> 13,186 <INTEREST-INVEST> 888 <INTEREST-OTHER> 575 <INTEREST-TOTAL> 14,649 <INTEREST-DEPOSIT> 5,560 <INTEREST-EXPENSE> 5,614 <INTEREST-INCOME-NET> 9,035 <LOAN-LOSSES> 200 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 17,859 <INCOME-PRETAX> 387 <INCOME-PRE-EXTRAORDINARY> 387 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 167 <EPS-BASIC> 0.07 <EPS-DILUTED> 0.07 <YIELD-ACTUAL> 6.12 <LOANS-NON> 2,914 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 4,387 <ALLOWANCE-OPEN> 2,610 <CHARGE-OFFS> 204 <RECOVERIES> 33 <ALLOWANCE-CLOSE> 2,639 <ALLOWANCE-DOMESTIC> 2,481 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 158