<TABLE> <S> <C>

<PAGE>

<ARTICLE> 9

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                       2,690,742
<INT-BEARING-DEPOSITS>                         199,792
<FED-FUNDS-SOLD>                             1,141,103
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 11,043,912
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     41,087,822
<ALLOWANCE>                                    495,437
<TOTAL-ASSETS>                              60,236,615
<DEPOSITS>                                  46,842,827
<SHORT-TERM>                                 5,000,000
<LIABILITIES-OTHER>                            449,821
<LONG-TERM>                                          0
                                0
                                          0
<COMMON>                                         8,000
<OTHER-SE>                                   7,935,967
<TOTAL-LIABILITIES-AND-EQUITY>              60,236,615
<INTEREST-LOAN>                              1,857,331
<INTEREST-INVEST>                              346,563
<INTEREST-OTHER>                                55,216
<INTEREST-TOTAL>                             2,259,110
<INTEREST-DEPOSIT>                           1,060,147
<INTEREST-EXPENSE>                           1,148,622
<INTEREST-INCOME-NET>                        1,110,488
<LOAN-LOSSES>                                  169,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                962,339
<INCOME-PRETAX>                                 86,284
<INCOME-PRE-EXTRAORDINARY>                      51,935
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    51,935
<EPS-BASIC>                                        .07
<EPS-DILUTED>                                      .07
<YIELD-ACTUAL>                                    4.50
<LOANS-NON>                                     84,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                               377,000
<CHARGE-OFFS>                                   52,000
<RECOVERIES>                                     2,000
<ALLOWANCE-CLOSE>                              496,000
<ALLOWANCE-DOMESTIC>                           496,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>



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