<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY INFORMATION EXTRACTED FROM THE UNAUDITED
FINANCIAL STATEMENTS DATED JUNE 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 734,091
<INT-BEARING-DEPOSITS> 533,092
<FED-FUNDS-SOLD> 9,529,957
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 24,852,314
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 13,821,978
<ALLOWANCE> 100,000
<TOTAL-ASSETS> 55,029,555
<DEPOSITS> 40,991,874
<SHORT-TERM> 918,479
<LIABILITIES-OTHER> 842,649
<LONG-TERM> 0
0
0
<COMMON> 11,500
<OTHER-SE> 8,265,053
<TOTAL-LIABILITIES-AND-EQUITY> 55,029,555
<INTEREST-LOAN> 343,690
<INTEREST-INVEST> 941,764
<INTEREST-OTHER> 188,093
<INTEREST-TOTAL> 1,473,547
<INTEREST-DEPOSIT> 1,116,962
<INTEREST-EXPENSE> 87,526
<INTEREST-INCOME-NET> 269,059
<LOAN-LOSSES> 50,500
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1,093,350
<INCOME-PRETAX> (869,055)
<INCOME-PRE-EXTRAORDINARY> (869,055)
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (869,055)
<EPS-BASIC> (0.76)
<EPS-DILUTED> (0.76)
<YIELD-ACTUAL> 1.26
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 49,500
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 100,000
<ALLOWANCE-DOMESTIC> 0
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>