<ARTICLE> 9

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                         164,000
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             2,735,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                  1,526,000
<INVESTMENTS-CARRYING>                         890,000
<INVESTMENTS-MARKET>                         1,526,000
<LOANS>                                     13,132,000
<ALLOWANCE>                                    138,000
<TOTAL-ASSETS>                              19,398,000
<DEPOSITS>                                  15,455,000
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                            346,000
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         5,000
<OTHER-SE>                                   3,592,000
<TOTAL-LIABILITIES-AND-EQUITY>              19,398,000
<INTEREST-LOAN>                                276,000
<INTEREST-INVEST>                               97,000
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                               373,000
<INTEREST-DEPOSIT>                             187,000
<INTEREST-EXPENSE>                                   0
<INTEREST-INCOME-NET>                          186,000
<LOAN-LOSSES>                                   39,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                329,000
<INCOME-PRETAX>                              (154,000)
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 (154,000)
<EPS-BASIC>                                      (.31)
<EPS-DILUTED>                                    (.31)
<YIELD-ACTUAL>                                    4.08
<LOANS-NON>                                    476,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               138,000
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              196,000
<ALLOWANCE-DOMESTIC>                           196,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0