<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE FORM
10-Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-20-2000
<CASH>                                          11,928
<INT-BEARING-DEPOSITS>                          26,687
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                   782
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        276,089
<ALLOWANCE>                                      1,563
<TOTAL-ASSETS>                                 391,679
<DEPOSITS>                                     313,403
<SHORT-TERM>                                    14,992
<LIABILITIES-OTHER>                             12,662
<LONG-TERM>                                     30,616
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          3
<COMMON>                                            20
<OTHER-SE>                                      19,983
<TOTAL-LIABILITIES-AND-EQUITY>                 391,679
<INTEREST-LOAN>                                 11,484
<INTEREST-INVEST>                                1,710
<INTEREST-OTHER>                                 1,090
<INTEREST-TOTAL>                                14,284
<INTEREST-DEPOSIT>                               8,329
<INTEREST-EXPENSE>                              10,219
<INTEREST-INCOME-NET>                            4,045
<LOAN-LOSSES>                                      120
<SECURITIES-GAINS>                                 174
<EXPENSE-OTHER>                                  3,945
<INCOME-PRETAX>                                  1,088
<INCOME-PRE-EXTRAORDINARY>                       1,088
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       881
<EPS-BASIC>                                         44
<EPS-DILUTED>                                       41
<YIELD-ACTUAL>                                       0<F1>
<LOANS-NON>                                      8,020
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                 1,551
<CHARGE-OFFS>                                      108
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                1,563<F1>
<ALLOWANCE-DOMESTIC>                             1,563<F1>
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
<FN>
<F1>THIS INFORMATION IS NOT DISCLOSED IN THE FORM 10-Q.
</FN>