<TABLE> <S> <C>

<ARTICLE>                                            9

<S>                             <C>
<PERIOD-TYPE>                   6-mos
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-END>                                   JUN-30-2000
<CASH>                                          1,513,103
<INT-BEARING-DEPOSITS>                                  0
<FED-FUNDS-SOLD>                                1,856,000
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                     3,224,980
<INVESTMENTS-CARRYING>                            152,300
<INVESTMENTS-MARKET>                              152,300
<LOANS>                                        53,914,049
<ALLOWANCE>                                       585,338
<TOTAL-ASSETS>                                 63,482,243
<DEPOSITS>                                     56,058,912
<SHORT-TERM>                                            0
<LIABILITIES-OTHER>                             1,283,614
<LONG-TERM>                                             0
                                   0
                                             0
<COMMON>                                            2,464
<OTHER-SE>                                      5,718,460
<TOTAL-LIABILITIES-AND-EQUITY>                 63,482,243
<INTEREST-LOAN>                                 2,410,528
<INTEREST-INVEST>                                 109,314
<INTEREST-OTHER>                                   36,328
<INTEREST-TOTAL>                                2,556,170
<INTEREST-DEPOSIT>                              1,300,300
<INTEREST-EXPENSE>                              1,368,370
<INTEREST-INCOME-NET>                           1,187,800
<LOAN-LOSSES>                                     107,172
<SECURITIES-GAINS>                                      0
<EXPENSE-OTHER>                                 1,068,438
<INCOME-PRETAX>                                   212,703
<INCOME-PRE-EXTRAORDINARY>                        457,064
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                      457,064
<EPS-BASIC>                                          1.89
<EPS-DILUTED>                                        1.89
<YIELD-ACTUAL>                                       4.28
<LOANS-NON>                                       124,914
<LOANS-PAST>                                            0
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                   781,040
<ALLOWANCE-OPEN>                                  561,944
<CHARGE-OFFS>                                      89,123
<RECOVERIES>                                        5,345
<ALLOWANCE-CLOSE>                                 585,338
<ALLOWANCE-DOMESTIC>                              562,016
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                            23,321



</TABLE>



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