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<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> 11,393,217
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 26,977,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 32,366,988
<INVESTMENTS-CARRYING> 33,635,889
<INVESTMENTS-MARKET> 3,074,163
<LOANS> 222,917,805
<ALLOWANCE> 2,615,818
<TOTAL-ASSETS> 304,462,468
<DEPOSITS> 241,676,071
<SHORT-TERM> 17,479,488
<LIABILITIES-OTHER> 2,342,772
<LONG-TERM> 5,000,000
0
0
<COMMON> 58,852
<OTHER-SE> 37,905,284
<TOTAL-LIABILITIES-AND-EQUITY> 37,964,137
<INTEREST-LOAN> 8,453,565
<INTEREST-INVEST> 1,278,894
<INTEREST-OTHER> 583,762
<INTEREST-TOTAL> 10,316,221
<INTEREST-DEPOSIT> 5,086,185
<INTEREST-EXPENSE> 5,666,344
<INTEREST-INCOME-NET> 4,649,877
<LOAN-LOSSES> 709,456
<SECURITIES-GAINS> (8,950)
<EXPENSE-OTHER> 5,353,637
<INCOME-PRETAX> (1,060,631)
<INCOME-PRE-EXTRAORDINARY> (1,063,631)
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> (661,516)
<EPS-BASIC> 0
<EPS-DILUTED> 0
<YIELD-ACTUAL> 0
<LOANS-NON> 1,384,336
<LOANS-PAST> 3,809,092
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 242,000
<ALLOWANCE-OPEN> 1,858,040
<CHARGE-OFFS> 1,038
<RECOVERIES> 49,360
<ALLOWANCE-CLOSE> 2,615,818
<ALLOWANCE-DOMESTIC> 2,615,818
<ALLOWANCE-FOREIGN> 0
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</TABLE>
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