<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM 2000 SECOND
QUARTER 10-Q
</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>                                           2,493
<INT-BEARING-DEPOSITS>                              29
<FED-FUNDS-SOLD>                                 1,223
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     10,529
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                         87,884
<ALLOWANCE>                                      1,063
<TOTAL-ASSETS>                                 106,001
<DEPOSITS>                                      71,902
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                              1,353
<LONG-TERM>                                     20,471
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         2,990
<OTHER-SE>                                       9,285
<TOTAL-LIABILITIES-AND-EQUITY>                 106,001
<INTEREST-LOAN>                                  3,527
<INTEREST-INVEST>                                  348
<INTEREST-OTHER>                                    27
<INTEREST-TOTAL>                                 3,902
<INTEREST-DEPOSIT>                               1,203
<INTEREST-EXPENSE>                               1,802
<INTEREST-INCOME-NET>                            2,100
<LOAN-LOSSES>                                        6
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                  1,325
<INCOME-PRETAX>                                  1,156
<INCOME-PRE-EXTRAORDINARY>                         809
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       809
<EPS-BASIC>                                       1.35
<EPS-DILUTED>                                     1.34
<YIELD-ACTUAL>                                    4.30
<LOANS-NON>                                         20
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,055
<CHARGE-OFFS>                                       10
<RECOVERIES>                                        12
<ALLOWANCE-CLOSE>                                1,063
<ALLOWANCE-DOMESTIC>                               572
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            491