<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