WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

  


<ARTICLE>                                            9

<LEGEND>
     THIS SCHEDULE  CONTAINS SUMMARY  FINANCIAL  INFORMATION  EXTRACTED FROM THE
     QUARTERLY  REPORT  ON FORM  10-QSB  AND IS  QUALIFIED  IN ITS  ENTIRETY  BY
     REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>

<MULTIPLIER>                                   1000
       -
                                       
<PERIOD-TYPE>                                 6-MOS
<FISCAL-YEAR-END>                             DEC-31-2000
<PERIOD-END>                                  JUN-30-2000
<CASH>                                            429
<INT-BEARING-DEPOSITS>                            901
<FED-FUNDS-SOLD>                                    0
<TRADING-ASSETS>                                    0
<INVESTMENTS-HELD-FOR-SALE>                    10,509
<INVESTMENTS-CARRYING>                          5,591
<INVESTMENTS-MARKET>                            5,591
<LOANS>                                        38,445
<ALLOWANCE>                                       169
<TOTAL-ASSETS>                                 59,762
<DEPOSITS>                                     33,491
<SHORT-TERM>                                    2,500
<LIABILITIES-OTHER>                               635
<LONG-TERM>                                    16,586
<PREFERRED-MANDATORY>                               0
<PREFERRED>                                         0
<COMMON>                                           38
<OTHER-SE>                                      6,512
<TOTAL-LIABILITIES-AND-EQUITY>                 59,762
<INTEREST-LOAN>                                 1,406
<INTEREST-INVEST>                                 515
<INTEREST-OTHER>                                   34
<INTEREST-TOTAL>                                1,955
<INTEREST-DEPOSIT>                                737
<INTEREST-EXPENSE>                              1,204
<INTEREST-INCOME-NET>                             751
<LOAN-LOSSES>                                       0
<SECURITIES-GAINS>                                  0
<EXPENSE-OTHER>                                   696
<INCOME-PRETAX>                                   218
<INCOME-PRE-EXTRAORDINARY>                        218
<EXTRAORDINARY>                                     0
<CHANGES>                                           0
<NET-INCOME>                                      155
<EPS-BASIC>                                       .46
<EPS-DILUTED>                                     .44
<YIELD-ACTUAL>                                   2.85
<LOANS-NON>                                       313
<LOANS-PAST>                                        1
<LOANS-TROUBLED>                                    0
<LOANS-PROBLEM>                                     0
<ALLOWANCE-OPEN>                                  168
<CHARGE-OFFS>                                       0
<RECOVERIES>                                        0
<ALLOWANCE-CLOSE>                                 169
<ALLOWANCE-DOMESTIC>                              169
<ALLOWANCE-FOREIGN>                                 0
<ALLOWANCE-UNALLOCATED>                             0