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<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-START> JAN-1-2000
<PERIOD-END> JUN-30-2000
<CASH> 3,451,754
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 19,110,907
<INVESTMENTS-CARRYING> 5,098,325
<INVESTMENTS-MARKET> 4,962,084
<LOANS> 64,662,286
<ALLOWANCE> 1,142,039
<TOTAL-ASSETS> 95,047,121
<DEPOSITS> 82,496,154
<SHORT-TERM> 2,890,000
<LIABILITIES-OTHER> 672,188
<LONG-TERM> 0
0
0
<COMMON> 1,500,000
<OTHER-SE> 7,488,779
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<INTEREST-DEPOSIT> 1,653,450
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<LOANS-NON> 1,122,207
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<ALLOWANCE-DOMESTIC> 1,142,039
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</TABLE>
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