<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
UNAUDITED FINANCIAL STATEMENTS FOR THE PERIOD ENDED JUNE 30, 2000 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                           8,792
<INT-BEARING-DEPOSITS>                             308
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      2,168
<INVESTMENTS-CARRYING>                             714
<INVESTMENTS-MARKET>                               714
<LOANS>                                         38,399
<ALLOWANCE>                                      1,346
<TOTAL-ASSETS>                                  61,655
<DEPOSITS>                                      42,210
<SHORT-TERM>                                     1,291
<LIABILITIES-OTHER>                              3,973
<LONG-TERM>                                      3,726
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          1
<COMMON>                                         5,482
<OTHER-SE>                                       4,972
<TOTAL-LIABILITIES-AND-EQUITY>                  61,655
<INTEREST-LOAN>                                  2,548
<INTEREST-INVEST>                                  353
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                                 2,901
<INTEREST-DEPOSIT>                               1,444
<INTEREST-EXPENSE>                                 637
<INTEREST-INCOME-NET>                              820
<LOAN-LOSSES>                                      147
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                 10,843
<INCOME-PRETAX>                                (1,343)
<INCOME-PRE-EXTRAORDINARY>                     (1,343)
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     (838)
<EPS-BASIC>                                     (0.15)
<EPS-DILUTED>                                   (0.15)
<YIELD-ACTUAL>                                    2.68
<LOANS-NON>                                      2,448
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,382
<CHARGE-OFFS>                                      431
<RECOVERIES>                                       439
<ALLOWANCE-CLOSE>                                1,346
<ALLOWANCE-DOMESTIC>                             1,346
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0