<ARTICLE> 9 <MULTIPLIER> 1000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> JUN-30-2000 <CASH> 14,795 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 32,407 <INVESTMENTS-CARRYING> 36,011 <INVESTMENTS-MARKET> 35,844 <LOANS> 97,822 <ALLOWANCE> 1,428 <TOTAL-ASSETS> 151,554 <DEPOSITS> 126,797 <SHORT-TERM> 0 <LIABILITIES-OTHER> 11,290 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 14,024 <OTHER-SE> (557) <TOTAL-LIABILITIES-AND-EQUITY> 151,554 <INTEREST-LOAN> 4,542 <INTEREST-INVEST> 1,137 <INTEREST-OTHER> 12 <INTEREST-TOTAL> 5,691 <INTEREST-DEPOSIT> 2,233 <INTEREST-EXPENSE> 161 <INTEREST-INCOME-NET> 3,297 <LOAN-LOSSES> 42 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,702 <INCOME-PRETAX> 1,120 <INCOME-PRE-EXTRAORDINARY> 691 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 691 <EPS-BASIC> .34 <EPS-DILUTED> .34 <YIELD-ACTUAL> 4.59 <LOANS-NON> 362 <LOANS-PAST> 139 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,045 <ALLOWANCE-OPEN> 1,464 <CHARGE-OFFS> 92 <RECOVERIES> 14 <ALLOWANCE-CLOSE> 1,428 <ALLOWANCE-DOMESTIC> 1,428 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,413