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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information from SEC Form 10-Q and is
qualified in its entirety by reference to such financial information.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-30-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 11,181,108
<INT-BEARING-DEPOSITS> 247,597,199
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 60,010,450
<INVESTMENTS-CARRYING> 61,849,714
<INVESTMENTS-MARKET> 60,010,450
<LOANS> 327,199,893
<ALLOWANCE> 3,963,482
<TOTAL-ASSETS> 416,547,971
<DEPOSITS> 287,861,996
<SHORT-TERM> 44,899,833
<LIABILITIES-OTHER> 2,672,748
<LONG-TERM> 38,985,909
0
0
<COMMON> 2,041,775
<OTHER-SE> 40,085,710
<TOTAL-LIABILITIES-AND-EQUITY> 416,547,971
<INTEREST-LOAN> 13,681,387
<INTEREST-INVEST> 1,967,918
<INTEREST-OTHER> 349
<INTEREST-TOTAL> 15,649,654
<INTEREST-DEPOSIT> 5,099,808
<INTEREST-EXPENSE> 7,471,877
<INTEREST-INCOME-NET> 8,177,777
<LOAN-LOSSES> 800,000
<SECURITIES-GAINS> 25,995
<EXPENSE-OTHER> 5,921,202
<INCOME-PRETAX> 3,005,969
<INCOME-PRE-EXTRAORDINARY> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,251,769
<EPS-BASIC> 1.11
<EPS-DILUTED> 1.11
<YIELD-ACTUAL> 3.73
<LOANS-NON> 335,000
<LOANS-PAST> 303,000
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 3,551,000
<CHARGE-OFFS> 589,000
<RECOVERIES> 201,000
<ALLOWANCE-CLOSE> 3,963,000
<ALLOWANCE-DOMESTIC> 0
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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