<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> JUN-30-2000 <CASH> 1,013 <INT-BEARING-DEPOSITS> 211 <FED-FUNDS-SOLD> 1,382 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 4,435 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 24,557 <ALLOWANCE> 33 <TOTAL-ASSETS> 33,024 <DEPOSITS> 23,736 <SHORT-TERM> 1,000 <LIABILITIES-OTHER> 203 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 805 <OTHER-SE> 7,280 <TOTAL-LIABILITIES-AND-EQUITY> 33,024 <INTEREST-LOAN> 956 <INTEREST-INVEST> 170 <INTEREST-OTHER> 41 <INTEREST-TOTAL> 1,167 <INTEREST-DEPOSIT> 570 <INTEREST-EXPENSE> 589 <INTEREST-INCOME-NET> 578 <LOAN-LOSSES> 3 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 480 <INCOME-PRETAX> 100 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 70 <EPS-BASIC> 0.10 <EPS-DILUTED> 0.10 <YIELD-ACTUAL> 3.88 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 30 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 33 <ALLOWANCE-DOMESTIC> 33 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0