<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> JUN-30-2000 <CASH> 4,596 <INT-BEARING-DEPOSITS> 3,208 <FED-FUNDS-SOLD> 4,343 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 57,163 <INVESTMENTS-CARRYING> 12,169 <INVESTMENTS-MARKET> 12,024 <LOANS> 113,894 <ALLOWANCE> 1,250 <TOTAL-ASSETS> 200,040 <DEPOSITS> 169,526 <SHORT-TERM> 12,654 <LIABILITIES-OTHER> 1,306 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 7,543 <OTHER-SE> 9,011 <TOTAL-LIABILITIES-AND-EQUITY> 200,040 <INTEREST-LOAN> 4,834 <INTEREST-INVEST> 2,006 <INTEREST-OTHER> 310 <INTEREST-TOTAL> 7,150 <INTEREST-DEPOSIT> 3,050 <INTEREST-EXPENSE> 3,310 <INTEREST-INCOME-NET> 3,840 <LOAN-LOSSES> 195 <SECURITIES-GAINS> 23 <EXPENSE-OTHER> 2,432 <INCOME-PRETAX> 1,635 <INCOME-PRE-EXTRAORDINARY> 1,635 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,144 <EPS-BASIC> 0.76 <EPS-DILUTED> 0.76 <YIELD-ACTUAL> 4.33 <LOANS-NON> 1,130 <LOANS-PAST> 188 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,148 <CHARGE-OFFS> 117 <RECOVERIES> 24 <ALLOWANCE-CLOSE> 1,250 <ALLOWANCE-DOMESTIC> 1,250 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0