<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> JUN-30-2000 <CASH> 341 <INT-BEARING-DEPOSITS> 4,567 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 430 <INVESTMENTS-CARRYING> 3,957 <INVESTMENTS-MARKET> 3,749 <LOANS> 24,623 <ALLOWANCE> 140 <TOTAL-ASSETS> 34,622 <DEPOSITS> 25,751 <SHORT-TERM> 0 <LIABILITIES-OTHER> 636 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 0 <OTHER-SE> 8,234 <TOTAL-LIABILITIES-AND-EQUITY> 34,622 <INTEREST-LOAN> 900 <INTEREST-INVEST> 301 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 1,201 <INTEREST-DEPOSIT> 516 <INTEREST-EXPENSE> 516 <INTEREST-INCOME-NET> 685 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 527 <INCOME-PRETAX> 188 <INCOME-PRE-EXTRAORDINARY> 121 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 49 <EPS-BASIC> 0.25 <EPS-DILUTED> 0.25 <YIELD-ACTUAL> 4.14 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 141 <CHARGE-OFFS> 1 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 140 <ALLOWANCE-DOMESTIC> 140 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0