<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> Dec-31-2000 <PERIOD-START> Jan-01-2000 <PERIOD-END> Jun-30-2000 <CASH> 3,557 <INT-BEARING-DEPOSITS> 796 <FED-FUNDS-SOLD> 16,162 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 87,000 <INVESTMENTS-MARKET> 83,337 <LOANS> 251,876 <ALLOWANCE> 2,738 <TOTAL-ASSETS> 373,008 <DEPOSITS> 258,365 <SHORT-TERM> 0 <LIABILITIES-OTHER> 19,691 <LONG-TERM> 60,330 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 3,891 <OTHER-SE> 30,731 <TOTAL-LIABILITIES-AND-EQUITY> 373,008 <INTEREST-LOAN> 11,676 <INTEREST-INVEST> 2,951 <INTEREST-OTHER> 287 <INTEREST-TOTAL> 14,914 <INTEREST-DEPOSIT> 6,313 <INTEREST-EXPENSE> 10,964 <INTEREST-INCOME-NET> 3,950 <LOAN-LOSSES> 245 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,381 <INCOME-PRETAX> 1,664 <INCOME-PRE-EXTRAORDINARY> 1,027 <EXTRAORDINARY> (206) <CHANGES> 0 <NET-INCOME> 821 <EPS-BASIC> .21 <EPS-DILUTED> .21 <YIELD-ACTUAL> 2.28 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,493 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 2,738 <ALLOWANCE-DOMESTIC> 2,738 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0