<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> JUN-30-2000 <CASH> 3,905 <INT-BEARING-DEPOSITS> 842 <FED-FUNDS-SOLD> 27 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 50,615 <INVESTMENTS-CARRYING> 22 <INVESTMENTS-MARKET> 22 <LOANS> 107,797 <ALLOWANCE> 709 <TOTAL-ASSETS> 171,591 <DEPOSITS> 150,990 <SHORT-TERM> 9,000 <LIABILITIES-OTHER> 608 <LONG-TERM> 2,983 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 7 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 171,591 <INTEREST-LOAN> 4,650 <INTEREST-INVEST> 1,826 <INTEREST-OTHER> 90 <INTEREST-TOTAL> 6,566 <INTEREST-DEPOSIT> 2,649 <INTEREST-EXPENSE> 2,924 <INTEREST-INCOME-NET> 3,642 <LOAN-LOSSES> 196 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,819 <INCOME-PRETAX> 405 <INCOME-PRE-EXTRAORDINARY> 405 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 267 <EPS-BASIC> 0.38 <EPS-DILUTED> 0.38 <YIELD-ACTUAL> 4.45 <LOANS-NON> 709 <LOANS-PAST> 347 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 1,421 <ALLOWANCE-OPEN> 678 <CHARGE-OFFS> 225 <RECOVERIES> 60 <ALLOWANCE-CLOSE> 709 <ALLOWANCE-DOMESTIC> 709 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 168