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<PERIOD-TYPE>                   6-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000             DEC-31-2000
<PERIOD-START>                             JAN-01-2000             JAN-01-2000
<PERIOD-END>                               JUN-30-2000             MAR-31-2000
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<INTEREST-TOTAL>                                13,835                   6,567
<INTEREST-DEPOSIT>                               3,495                   1,565
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<INTEREST-INCOME-NET>                           10,287                   4,964
<LOAN-LOSSES>                                        0                       0
<SECURITIES-GAINS>                                (11)                    (11)
<EXPENSE-OTHER>                                 11,079                   3,556
<INCOME-PRETAX>                                    926                   2,210
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<CHANGES>                                            0                       0
<NET-INCOME>                                     (199)                   1,292
<EPS-BASIC>                                     (0.05)                    0.33
<EPS-DILUTED>                                   (0.05)                    0.32
<YIELD-ACTUAL>                                   6.975                   7.012
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<LOANS-PAST>                                       218                       0
<LOANS-TROUBLED>                                     0                       0
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<ALLOWANCE-FOREIGN>                                  0                       0
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