<ARTICLE>                                            9
<LEGEND>
This schedule contains summary financial information from SEC Form 10-QSB and is
qualified in its entirety by reference to such financial information.
</LEGEND>

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-START>                                 JAN-01-2000
<PERIOD-END>                                   JUN-30-2000
<CASH>                                            342
<INT-BEARING-DEPOSITS>                              0
<FED-FUNDS-SOLD>                                1,400
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                     7,366
<INVESTMENTS-CARRYING>                          7,351
<INVESTMENTS-MARKET>                           21,489
<LOANS>                                        17,993
<ALLOWANCE>                                       202
<TOTAL-ASSETS>                                 41,801
<DEPOSITS>                                     33,711
<SHORT-TERM>                                        0
<LIABILITIES-OTHER>                               176
<LONG-TERM>                                         0
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                        8,612
<OTHER-SE>                                       (697)
<TOTAL-LIABILITIES-AND-EQUITY>                 41,801
<INTEREST-LOAN>                                   628
<INTEREST-INVEST>                                 675
<INTEREST-OTHER>                                    0
<INTEREST-TOTAL>                                1,303
<INTEREST-DEPOSIT>                                592
<INTEREST-EXPENSE>                                592
<INTEREST-INCOME-NET>                             711
<LOAN-LOSSES>                                      62
<SECURITIES-GAINS>                                (11)
<EXPENSE-OTHER>                                   659
<INCOME-PRETAX>                                    71
<INCOME-PRE-EXTRAORDINARY>                         71
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                       71
<EPS-BASIC>                                     .08
<EPS-DILUTED>                                     .08
<YIELD-ACTUAL>                                   3.82
<LOANS-NON>                                         0
<LOANS-PAST>                                        0
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                    0
<CHARGE-OFFS>                                       2
<RECOVERIES>                                        2
<ALLOWANCE-CLOSE>                                 202
<ALLOWANCE-DOMESTIC>                              202
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0