<ARTICLE>                                   9
<MULTIPLIER>                            1,000

                                   
<PERIOD-TYPE>                           6-MOS
<FISCAL-YEAR-END>                     Dec-31-2000
<PERIOD-END>                          Jun-30-2000
<CASH>                                  7,256
<INT-BEARING-DEPOSITS>                      0
<FED-FUNDS-SOLD>                       30,690
<TRADING-ASSETS>                            0
<INVESTMENTS-HELD-FOR-SALE>             3,313
<INVESTMENTS-CARRYING>                  3,313
<INVESTMENTS-MARKET>                    3,313
<LOANS>                                55,418
<ALLOWANCE>                             1,800
<TOTAL-ASSETS>                         99,796
<DEPOSITS>                             90,232
<SHORT-TERM>                                0
<LIABILITIES-OTHER>                     1,672
<LONG-TERM>                             2,229
<PREFERRED-MANDATORY>                       0
<PREFERRED>                             2,303
<COMMON>                                  179
<OTHER-SE>                              3,181
<TOTAL-LIABILITIES-AND-EQUITY>         99,796
<INTEREST-LOAN>                         3,682
<INTEREST-INVEST>                          80
<INTEREST-OTHER>                          894
<INTEREST-TOTAL>                        4,656
<INTEREST-DEPOSIT>                        705
<INTEREST-EXPENSE>                        103
<INTEREST-INCOME-NET>                   3,848
<LOAN-LOSSES>                              28
<SECURITIES-GAINS>                          0
<EXPENSE-OTHER>                         4,336
<INCOME-PRETAX>                           462
<INCOME-PRE-EXTRAORDINARY>                462
<EXTRAORDINARY>                             0
<CHANGES>                                   0
<NET-INCOME>                              303
<EPS-BASIC>                           $1.69
<EPS-DILUTED>                               0
<YIELD-ACTUAL>                           3.78
<LOANS-NON>                                53
<LOANS-PAST>                              354
<LOANS-TROUBLED>                            0
<LOANS-PROBLEM>                         3,230
<ALLOWANCE-OPEN>                        1,800
<CHARGE-OFFS>                             595
<RECOVERIES>                              567
<ALLOWANCE-CLOSE>                       1,800
<ALLOWANCE-DOMESTIC>                    1,800
<ALLOWANCE-FOREIGN>                         0
<ALLOWANCE-UNALLOCATED>                     0