<ARTICLE> 9 <PERIOD-TYPE> YEAR <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-START> JAN-01-2000 <PERIOD-END> JUN-30-2000 <CASH> 28,879 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 22,425 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 55,348 <INVESTMENTS-MARKET> 55,211 <LOANS> 417,182 <ALLOWANCE> 2,710 <TOTAL-ASSETS> 537,061 <DEPOSITS> 452,113 <SHORT-TERM> 40,400 <LIABILITIES-OTHER> 0 <LONG-TERM> 1,500 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 67 <OTHER-SE> 0 <TOTAL-LIABILITIES-AND-EQUITY> 537,061 <INTEREST-LOAN> 22,499 <INTEREST-INVEST> 1,477 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 23,976 <INTEREST-DEPOSIT> 13,195 <INTEREST-EXPENSE> 15,058 <INTEREST-INCOME-NET> 8,918 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,760 <INCOME-PRETAX> (1,093) <INCOME-PRE-EXTRAORDINARY> (649) <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (649) <EPS-BASIC> (0.10) <EPS-DILUTED> (0.10) <YIELD-ACTUAL> 3.55 <LOANS-NON> 4,704 <LOANS-PAST> 0 <LOANS-TROUBLED> 1,935 <LOANS-PROBLEM> 1,767 <ALLOWANCE-OPEN> 2,749 <CHARGE-OFFS> 39 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 2,710 <ALLOWANCE-DOMESTIC> 2,710 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0