<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> JUN-30-2000 <CASH> 12,308,000 <INT-BEARING-DEPOSITS> 3,109,000 <FED-FUNDS-SOLD> 155,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 55,073,000 <INVESTMENTS-CARRYING> 17,900,000 <INVESTMENTS-MARKET> 17,523,000 <LOANS> 202,308,000 <ALLOWANCE> 2,069,000 <TOTAL-ASSETS> 309,531,000 <DEPOSITS> 227,137,000 <SHORT-TERM> 36,452,000 <LIABILITIES-OTHER> 3,232,000 <LONG-TERM> 19,380,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 23,000 <OTHER-SE> 23,307,000 <TOTAL-LIABILITIES-AND-EQUITY> 309,531,000 <INTEREST-LOAN> 8,257,000 <INTEREST-INVEST> 2,102,000 <INTEREST-OTHER> 98,000 <INTEREST-TOTAL> 10,457,000 <INTEREST-DEPOSIT> 4,456,000 <INTEREST-EXPENSE> 5,751,000 <INTEREST-INCOME-NET> 4,706,000 <LOAN-LOSSES> 180,000 <SECURITIES-GAINS> 24,000 <EXPENSE-OTHER> 4,968,000 <INCOME-PRETAX> 762,000 <INCOME-PRE-EXTRAORDINARY> 762,000 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 513,000 <EPS-BASIC> 0.22 <EPS-DILUTED> 0.21 <YIELD-ACTUAL> 3.25 <LOANS-NON> 1,892,000 <LOANS-PAST> 693,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,996,000 <CHARGE-OFFS> 127,000 <RECOVERIES> 20,000 <ALLOWANCE-CLOSE> 2,069,000 <ALLOWANCE-DOMESTIC> 2,069,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,847,000