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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-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 22,233,674
<INT-BEARING-DEPOSITS> 119,812
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 38,371,497
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 346,954,741
<ALLOWANCE> 5,044,595
<TOTAL-ASSETS> 418,334,055
<DEPOSITS> 335,010,992
<SHORT-TERM> 6,000,000
<LIABILITIES-OTHER> 1,486,807
<LONG-TERM> 40,000,000
0
0
<COMMON> 36,882,916
<OTHER-SE> (1,046,660)
<TOTAL-LIABILITIES-AND-EQUITY> 418,334,055
<INTEREST-LOAN> 14,418,842
<INTEREST-INVEST> 1,054,680
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 15,473,522
<INTEREST-DEPOSIT> 6,699,192
<INTEREST-EXPENSE> 7,857,272
<INTEREST-INCOME-NET> 7,616,250
<LOAN-LOSSES> 1,082,000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 6,107,695
<INCOME-PRETAX> 1,349,937
<INCOME-PRE-EXTRAORDINARY> 1,349,937
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,349,937
<EPS-BASIC> .38
<EPS-DILUTED> .37
<YIELD-ACTUAL> 3.95
<LOANS-NON> 106,699
<LOANS-PAST> 49,849
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 3,995,165
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 5,044,595
<ALLOWANCE-DOMESTIC> 5,044,595
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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