<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> JUN-30-2000 <CASH> 5,304 <INT-BEARING-DEPOSITS> 8,160 <FED-FUNDS-SOLD> 1,017 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 20 <INVESTMENTS-CARRYING> 1,230 <INVESTMENTS-MARKET> 1,211 <LOANS> 263,248 <ALLOWANCE> 1,439 <TOTAL-ASSETS> 296,530 <DEPOSITS> 220,222 <SHORT-TERM> 55,400 <LIABILITIES-OTHER> 2,398 <LONG-TERM> 48 <PREFERRED-MANDATORY> 0 <PREFERRED> 15,008 <COMMON> 11 <OTHER-SE> 3,442 <TOTAL-LIABILITIES-AND-EQUITY> 296,530 <INTEREST-LOAN> 10,101 <INTEREST-INVEST> 164 <INTEREST-OTHER> 317 <INTEREST-TOTAL> 10,582 <INTEREST-DEPOSIT> 5,215 <INTEREST-EXPENSE> 6,811 <INTEREST-INCOME-NET> 3,771 <LOAN-LOSSES> 240 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,335 <INCOME-PRETAX> 676 <INCOME-PRE-EXTRAORDINARY> 466 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 466 <EPS-BASIC> (0.55) <EPS-DILUTED> (0.55) <YIELD-ACTUAL> 2.83 <LOANS-NON> 748 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,373 <ALLOWANCE-OPEN> 1,697 <CHARGE-OFFS> 501 <RECOVERIES> 3 <ALLOWANCE-CLOSE> 1,439 <ALLOWANCE-DOMESTIC> 1,439 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0