<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY INFORMATION EXTRACTED FROM THE UNAUDITED
FINANCIAL STATEMENTS DATED JUNE 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<S> <C> <C>
<PERIOD-TYPE> 6-MOS 3-MOS
<FISCAL-YEAR-END> DEC-31-2000 DEC-31-2000
<PERIOD-START> JAN-01-2000 MAR-31-2000
<PERIOD-END> JUN-30-2000 JUN-30-2000
<CASH> 1,071,611 1,071,611
<INT-BEARING-DEPOSITS> 2,000,000 2,000,000
<FED-FUNDS-SOLD> 6,791,000 6,791,000
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 50,760 50,760
<INVESTMENTS-CARRYING> 993,654 993,654
<INVESTMENTS-MARKET> 0 0
<LOANS> 21,649,064 21,649,064
<ALLOWANCE> (146,041) (146,041)
<TOTAL-ASSETS> 35,185,303 35,185,303
<DEPOSITS> 25,428,102 24,428,102
<SHORT-TERM> 0 0
<LIABILITIES-OTHER> 23,944 23,944
<LONG-TERM> 0 0
0 0
0 0
<COMMON> 11,654 11,654
<OTHER-SE> 9,721,603 9,721,603
<TOTAL-LIABILITIES-AND-EQUITY> 35,185,303 35,185,303
<INTEREST-LOAN> 589,136 405,657
<INTEREST-INVEST> 110,040 55,189
<INTEREST-OTHER> 411,923 176,252
<INTEREST-TOTAL> 1,111,099 637,096
<INTEREST-DEPOSIT> 527,450 278,446
<INTEREST-EXPENSE> 527,450 278,446
<INTEREST-INCOME-NET> 583,649 358,652
<LOAN-LOSSES> 119,971 86,220
<SECURITIES-GAINS> 0 0
<EXPENSE-OTHER> 1,083,044 576,139
<INCOME-PRETAX> (604,310) (294,870)
<INCOME-PRE-EXTRAORDINARY> (604,310) (294,870)
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> (604,310) (294,870)
<EPS-BASIC> (0.52) (0.25)
<EPS-DILUTED> (0.52) (0.25)
<YIELD-ACTUAL> 0 0
<LOANS-NON> 0 0
<LOANS-PAST> 0 0
<LOANS-TROUBLED> 0 0
<LOANS-PROBLEM> 0 0
<ALLOWANCE-OPEN> 26,885 60,636
<CHARGE-OFFS> 0 0
<RECOVERIES> 0 0
<ALLOWANCE-CLOSE> 146,041 146,041
<ALLOWANCE-DOMESTIC> 0 0
<ALLOWANCE-FOREIGN> 0 0
<ALLOWANCE-UNALLOCATED> 0 0
</TABLE>