<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM ISSUER'S
FINANCIAL STATEMENTS FOR THE SIX MONTHS ENDED 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> 8,673,869
<INT-BEARING-DEPOSITS> 1,456,097
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 0
<INVESTMENTS-CARRYING> 330,471
<INVESTMENTS-MARKET> 36,632,807
<LOANS> 118,306,400
<ALLOWANCE> (1,091,301)
<TOTAL-ASSETS> 174,919,856
<DEPOSITS> 120,658,075
<SHORT-TERM> 37,900,000
<LIABILITIES-OTHER> 0
<LONG-TERM> 0
<COMMON> 16,568,618
0
0
<OTHER-SE> (839,534)
<TOTAL-LIABILITIES-AND-EQUITY> 174,919,856
<INTEREST-LOAN> 4,798,303
<INTEREST-INVEST> 1,021,615
<INTEREST-OTHER> 198,114
<INTEREST-TOTAL> 6,018,032
<INTEREST-DEPOSIT> 2,773,775
<INTEREST-EXPENSE> 929,917
<INTEREST-INCOME-NET> 2,314,340
<LOAN-LOSSES> 275,000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 2,878,145
<INCOME-PRETAX> (602,377)
<INCOME-PRE-EXTRAORDINARY> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (395,976)
<EPS-BASIC> (0.26)
<EPS-DILUTED> (0.26)
<YIELD-ACTUAL> 2.69
<LOANS-NON> 520,591
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 854,985
<CHARGE-OFFS> 38,794
<RECOVERIES> 110
<ALLOWANCE-CLOSE> 1,091,301
<ALLOWANCE-DOMESTIC> 1,091,301
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>