<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S CONSOLIDATED FINANCIAL STATEMENTS FOR THE THREE MONTHS ENDED
JUNE 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                           1,981
<INT-BEARING-DEPOSITS>                           1,723
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     11,415
<INVESTMENTS-CARRYING>                           1,451
<INVESTMENTS-MARKET>                             1,410
<LOANS>                                        118,381
<ALLOWANCE>                                        942
<TOTAL-ASSETS>                                 143,012
<DEPOSITS>                                     125,047
<SHORT-TERM>                                     2,150
<LIABILITIES-OTHER>                              1,070
<LONG-TERM>                                      5,601
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         7,023
<OTHER-SE>                                       2,122
<TOTAL-LIABILITIES-AND-EQUITY>                 143,012
<INTEREST-LOAN>                                  5,013
<INTEREST-INVEST>                                  387
<INTEREST-OTHER>                                   177
<INTEREST-TOTAL>                                 5,577
<INTEREST-DEPOSIT>                               2,935
<INTEREST-EXPENSE>                               3,158
<INTEREST-INCOME-NET>                            2,419
<LOAN-LOSSES>                                      119
<SECURITIES-GAINS>                                 (2)
<EXPENSE-OTHER>                                  2,281
<INCOME-PRETAX>                                    366
<INCOME-PRE-EXTRAORDINARY>                         366
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       329
<EPS-BASIC>                                        .33
<EPS-DILUTED>                                      .32
<YIELD-ACTUAL>                                    3.54
<LOANS-NON>                                        272
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   873
<CHARGE-OFFS>                                       59
<RECOVERIES>                                         9
<ALLOWANCE-CLOSE>                                  942
<ALLOWANCE-DOMESTIC>                               942
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0