<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> JUN-30-2000 <CASH> 4,602 <INT-BEARING-DEPOSITS> 79 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 82,489 <INVESTMENTS-CARRYING> 34,391 <INVESTMENTS-MARKET> 33,554 <LOANS> 135,158 <ALLOWANCE> 1,642 <TOTAL-ASSETS> 262,174 <DEPOSITS> 204,944 <SHORT-TERM> 20,792 <LIABILITIES-OTHER> 1,945 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,523 <OTHER-SE> 32,970 <TOTAL-LIABILITIES-AND-EQUITY> 262,174 <INTEREST-LOAN> 5,536 <INTEREST-INVEST> 3,952 <INTEREST-OTHER> 1 <INTEREST-TOTAL> 9,489 <INTEREST-DEPOSIT> 4,298 <INTEREST-EXPENSE> 4,911 <INTEREST-INCOME-NET> 4,578 <LOAN-LOSSES> 90 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,972 <INCOME-PRETAX> 2,951 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,015 <EPS-BASIC> 3.83 <EPS-DILUTED> 3.81 <YIELD-ACTUAL> 0 <LOANS-NON> 0 <LOANS-PAST> 94 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 4,357 <ALLOWANCE-OPEN> 1,502 <CHARGE-OFFS> 29 <RECOVERIES> 79 <ALLOWANCE-CLOSE> 1,642 <ALLOWANCE-DOMESTIC> 1,642 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0