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<TABLE> <S> <C>
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<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 10,678,443
<INT-BEARING-DEPOSITS> 94,390
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
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<INVESTMENTS-CARRYING> 600,000
<INVESTMENTS-MARKET> 600,000
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<ALLOWANCE> 1,616,000
<TOTAL-ASSETS> 151,401,448
<DEPOSITS> 115,483,398
<SHORT-TERM> 6,233,770
<LIABILITIES-OTHER> 386,970
<LONG-TERM> 12,000,000
16,751
0
<COMMON> 0
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<SECURITIES-GAINS> (13,589)
<EXPENSE-OTHER> 1,531,758
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<EPS-BASIC> .28
<EPS-DILUTED> .28
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<ALLOWANCE-FOREIGN> 0
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</TABLE>
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