<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> JUN-30-2000 <CASH> 6,750 <INT-BEARING-DEPOSITS> 2,329 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 31,299 <INVESTMENTS-CARRYING> 1,412 <INVESTMENTS-MARKET> 0 <LOANS> 110,960 <ALLOWANCE> 1,499 <TOTAL-ASSETS> 158,278 <DEPOSITS> 129,790 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,837 <LONG-TERM> 10,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 6,000 <OTHER-SE> 10,651 <TOTAL-LIABILITIES-AND-EQUITY> 158,278 <INTEREST-LOAN> 4,976 <INTEREST-INVEST> 971 <INTEREST-OTHER> 210 <INTEREST-TOTAL> 6,067 <INTEREST-DEPOSIT> 1,699 <INTEREST-EXPENSE> 1,956 <INTEREST-INCOME-NET> 4,111 <LOAN-LOSSES> 210 <SECURITIES-GAINS> (1) <EXPENSE-OTHER> 3,834 <INCOME-PRETAX> 746 <INCOME-PRE-EXTRAORDINARY> 746 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 572 <EPS-BASIC> .67 <EPS-DILUTED> .67 <YIELD-ACTUAL> 8.97 <LOANS-NON> 565 <LOANS-PAST> 674 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 3,029 <ALLOWANCE-OPEN> 1,342 <CHARGE-OFFS> 111 <RECOVERIES> 58 <ALLOWANCE-CLOSE> 1,499 <ALLOWANCE-DOMESTIC> 1,499 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0