<ARTICLE> 9

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                           6,506
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<DEPOSITS>                                     455,079
<SHORT-TERM>                                     3,300
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<OTHER-SE>                                           0
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<INTEREST-LOAN>                                 11,250
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<INTEREST-DEPOSIT>                               6,530
<INTEREST-EXPENSE>                               7,330
<INTEREST-INCOME-NET>                            4,431
<LOAN-LOSSES>                                        0
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<EXPENSE-OTHER>                                  1,151
<INCOME-PRETAX>                                  (774)
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<CHARGE-OFFS>                                        0
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<ALLOWANCE-DOMESTIC>                             2,749
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