<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> JUN-30-2000 <CASH> 246 <INT-BEARING-DEPOSITS> 1,290 <FED-FUNDS-SOLD> 4,450 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 15,683 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 82,767 <ALLOWANCE> 1,998 <TOTAL-ASSETS> 104,610 <DEPOSITS> 91,486 <SHORT-TERM> 370 <LIABILITIES-OTHER> 813 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 13,730 <OTHER-SE> (1,789) <TOTAL-LIABILITIES-AND-EQUITY> 104,610 <INTEREST-LOAN> 3,913 <INTEREST-INVEST> 732 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 4,645 <INTEREST-DEPOSIT> 2,626 <INTEREST-EXPENSE> 2,626 <INTEREST-INCOME-NET> 2,019 <LOAN-LOSSES> 30 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,682 <INCOME-PRETAX> 376 <INCOME-PRE-EXTRAORDINARY> 376 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 253 <EPS-BASIC> 0.17 <EPS-DILUTED> 0.17 <YIELD-ACTUAL> 3.93 <LOANS-NON> 0 <LOANS-PAST> 321 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,987 <CHARGE-OFFS> 19 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 1,998 <ALLOWANCE-DOMESTIC> 743 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,255