<ARTICLE> 9 <MULTIPLIER> 1,000 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> JUN-30-2000 <CASH> 617 <INT-BEARING-DEPOSITS> 6,273 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 17,187 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 98,200 <ALLOWANCE> 581 <TOTAL-ASSETS> 129,671 <DEPOSITS> 86,440 <SHORT-TERM> 0 <LIABILITIES-OTHER> 2,151 <LONG-TERM> 25,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 5,515 <OTHER-SE> 10,565 <TOTAL-LIABILITIES-AND-EQUITY> 129,671 <INTEREST-LOAN> 3,819 <INTEREST-INVEST> 544 <INTEREST-OTHER> 189 <INTEREST-TOTAL> 4,552 <INTEREST-DEPOSIT> 1,919 <INTEREST-EXPENSE> 2,611 <INTEREST-INCOME-NET> 1,941 <LOAN-LOSSES> 141 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 982 <INCOME-PRETAX> 917 <INCOME-PRE-EXTRAORDINARY> 630 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 630 <EPS-BASIC> .57 <EPS-DILUTED> .57 <YIELD-ACTUAL> 3.51 <LOANS-NON> 174 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 440 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 581 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 581