<TABLE> <S> <C>
<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> 18,195,834
<INT-BEARING-DEPOSITS> 14,957,265
<FED-FUNDS-SOLD> 43,603,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 17,583,596
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 320,443,873
<ALLOWANCE> 3,672,000
<TOTAL-ASSETS> 424,810,596
<DEPOSITS> 346,164,293
<SHORT-TERM> 0
<LIABILITIES-OTHER> 3,203,242
<LONG-TERM> 0
0
0
<COMMON> 54,960,086
<OTHER-SE> (1,511,212)
<TOTAL-LIABILITIES-AND-EQUITY> 424,810,596
<INTEREST-LOAN> 14,446,169
<INTEREST-INVEST> 715,073
<INTEREST-OTHER> 1,398,627
<INTEREST-TOTAL> 16,559,869
<INTEREST-DEPOSIT> 5,474,334
<INTEREST-EXPENSE> 5,475,273
<INTEREST-INCOME-NET> 11,084,596
<LOAN-LOSSES> 1,702,265
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 9,574,348
<INCOME-PRETAX> 265,410
<INCOME-PRE-EXTRAORDINARY> 265,410
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 265,410
<EPS-BASIC> .05
<EPS-DILUTED> .05
<YIELD-ACTUAL> 0
<LOANS-NON> 1,465,000
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,371,000
<CHARGE-OFFS> 417,000
<RECOVERIES> 16,000
<ALLOWANCE-CLOSE> 3,672,000
<ALLOWANCE-DOMESTIC> 3,672,000
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 2,038,000
</TABLE>