<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information extracted from SEC
Form 10-QSB and is qualified in its entirety by reference to the unaudited
financial statements contained therein.
</LEGEND>
<MULTIPLIER>                                      1000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                           5,047
<INT-BEARING-DEPOSITS>                           2,864
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                      2,972
<INVESTMENTS-CARRYING>                           3,277
<INVESTMENTS-MARKET>                             3,163
<LOANS>                                        131,839
<ALLOWANCE>                                        823
<TOTAL-ASSETS>                                 155,254
<DEPOSITS>                                     122,785
<SHORT-TERM>                                     5,000
<LIABILITIES-OTHER>                              1,725
<LONG-TERM>                                      5,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            21
<OTHER-SE>                                      20,723
<TOTAL-LIABILITIES-AND-EQUITY>                 155,254
<INTEREST-LOAN>                                  5,216
<INTEREST-INVEST>                                  233
<INTEREST-OTHER>                                   139
<INTEREST-TOTAL>                                 5,588
<INTEREST-DEPOSIT>                               2,449
<INTEREST-EXPENSE>                               2,666
<INTEREST-INCOME-NET>                            2,922
<LOAN-LOSSES>                                      150
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  2,782
<INCOME-PRETAX>                                    817
<INCOME-PRE-EXTRAORDINARY>                         817
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       495
<EPS-BASIC>                                     0.45
<EPS-DILUTED>                                     0.44
<YIELD-ACTUAL>                                    4.17
<LOANS-NON>                                        358
<LOANS-PAST>                                       359
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                    20

<ALLOWANCE-OPEN>                                   703
<CHARGE-OFFS>                                       35
<RECOVERIES>                                         5
<ALLOWANCE-CLOSE>                                  823
<ALLOWANCE-DOMESTIC>                               823
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0