<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> JUN-30-2000 <CASH> 944 <INT-BEARING-DEPOSITS> 2,620 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 8,964 <INVESTMENTS-CARRYING> 23,799 <INVESTMENTS-MARKET> 22,533 <LOANS> 162,572 <ALLOWANCE> 1,495 <TOTAL-ASSETS> 206,560 <DEPOSITS> 122,684 <SHORT-TERM> 0 <LIABILITIES-OTHER> 2,942 <LONG-TERM> 66,277 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 9,416 <OTHER-SE> 5,242 <TOTAL-LIABILITIES-AND-EQUITY> 206,560 <INTEREST-LOAN> 6,098 <INTEREST-INVEST> 1,222 <INTEREST-OTHER> 53 <INTEREST-TOTAL> 7,373 <INTEREST-DEPOSIT> 2,386 <INTEREST-EXPENSE> 4,298 <INTEREST-INCOME-NET> 3,075 <LOAN-LOSSES> 542 <SECURITIES-GAINS> (8) <EXPENSE-OTHER> 2,483 <INCOME-PRETAX> 496 <INCOME-PRE-EXTRAORDINARY> 496 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 308 <EPS-BASIC> .35 <EPS-DILUTED> .35 <YIELD-ACTUAL> 3.07 <LOANS-NON> 1,742 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 983 <CHARGE-OFFS> 30 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 1,495 <ALLOWANCE-DOMESTIC> 1,382 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 113