<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE FORM
10-QSB FOR THE QUARTER ENDED JUNE 30, 2000, AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO THE UNAUDITED FINANCIAL STATEMENTS CONTAINED THEREIN.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 1,428,882
<INT-BEARING-DEPOSITS> 3,080,616
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 2,916,560
<INVESTMENTS-CARRYING> 164,183,451
<INVESTMENTS-MARKET> 157,381,652
<LOANS> 165,907,180
<ALLOWANCE> 1,365,366
<TOTAL-ASSETS> 352,983,922
<DEPOSITS> 235,410,999
<SHORT-TERM> 13,000,000
<LIABILITIES-OTHER> 2,085,982
<LONG-TERM> 54,050,553
0
0
<COMMON> 41,972
<OTHER-SE> 48,394,416
<TOTAL-LIABILITIES-AND-EQUITY> 352,983,922
<INTEREST-LOAN> 5,982,959
<INTEREST-INVEST> 5,684,778
<INTEREST-OTHER> 212,232
<INTEREST-TOTAL> 11,879,969
<INTEREST-DEPOSIT> 4,403,603
<INTEREST-EXPENSE> 6,312,744
<INTEREST-INCOME-NET> 5,567,225
<LOAN-LOSSES> 0
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 3,201,399
<INCOME-PRETAX> 2,651,597
<INCOME-PRE-EXTRAORDINARY> 1,700,737
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,700,737
<EPS-BASIC> 0.44
<EPS-DILUTED> 0.44
<YIELD-ACTUAL> 3.31
<LOANS-NON> 142,376
<LOANS-PAST> 0
<LOANS-TROUBLED> 90,702
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,400,366
<CHARGE-OFFS> 35,000
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 1,365,366
<ALLOWANCE-DOMESTIC> 1,009,366
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 356,000
</TABLE>