<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
QUARTERLY REPORT ON FORM 10-QSB FOR THE COMPANY FOR THE PERIOD ENDED JUNE 30,
2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO THE FINANCIAL STATEMENTS
AND OTHER INFORMATION CONTAINED IN THAT REPORT.
</LEGEND>
<MULTIPLIER> 1,000
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<CASH> 19,510
<INT-BEARING-DEPOSITS> 9,258
<FED-FUNDS-SOLD> 576
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 23,281
<INVESTMENTS-CARRYING> 1,014
<INVESTMENTS-MARKET> 1,025
<LOANS> 210,957
<ALLOWANCE> 2,129
<TOTAL-ASSETS> 272,076
<DEPOSITS> 227,045
<SHORT-TERM> 18,000
<LIABILITIES-OTHER> 584
<LONG-TERM> 0
<PREFERRED-MANDATORY> 0
<PREFERRED> 0
<COMMON> 2,452
<OTHER-SE> 11,486
<TOTAL-LIABILITIES-AND-EQUITY> 272,076
<INTEREST-LOAN> 10,028
<INTEREST-INVEST> 945
<INTEREST-OTHER> 204
<INTEREST-TOTAL> 11,177
<INTEREST-DEPOSIT> 5,055
<INTEREST-EXPENSE> 6,336
<INTEREST-INCOME-NET> 4,841
<LOAN-LOSSES> 1,205
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 4,105
<INCOME-PRETAX> 246
<INCOME-PRE-EXTRAORDINARY> 246
<EXTRAORDINARY> (84)
<CHANGES> 0
<NET-INCOME> 162
<EPS-BASIC> .08
<EPS-DILUTED> .08
<YIELD-ACTUAL> 8.85
<LOANS-NON> 301
<LOANS-PAST> 1,596
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 103
<ALLOWANCE-OPEN> 1,303
<CHARGE-OFFS> 399
<RECOVERIES> 20
<ALLOWANCE-CLOSE> 2,129
<ALLOWANCE-DOMESTIC> 2,129
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0