<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>                                         3,659,212
<INT-BEARING-DEPOSITS>                         1,447,765
<FED-FUNDS-SOLD>                                 400,000
<TRADING-ASSETS>                               2,380,000
<INVESTMENTS-HELD-FOR-SALE>                    6,076,370
<INVESTMENTS-CARRYING>                        72,389,376
<INVESTMENTS-MARKET>                          71,313,039
<LOANS>                                      149,495,255
<ALLOWANCE>                                    1,153,000
<TOTAL-ASSETS>                               243,119,626
<DEPOSITS>                                   174,312,224
<SHORT-TERM>                                  43,000,000
<LIABILITIES-OTHER>                            2,090,138
<LONG-TERM>                                            0
                                  0
                                            0
<COMMON>                                          21,081
<OTHER-SE>                                    23,696,183
<TOTAL-LIABILITIES-AND-EQUITY>               243,119,626
<INTEREST-LOAN>                                5,689,071
<INTEREST-INVEST>                              2,639,110
<INTEREST-OTHER>                                 210,650
<INTEREST-TOTAL>                               8,538,831
<INTEREST-DEPOSIT>                             3,653,599
<INTEREST-EXPENSE>                             4,900,942
<INTEREST-INCOME-NET>                          3,637,889
<LOAN-LOSSES>                                     50,000
<SECURITIES-GAINS>                               324,021
<EXPENSE-OTHER>                                2,488,197
<INCOME-PRETAX>                                1,543,359
<INCOME-PRE-EXTRAORDINARY>                       967,707
<EXTRAORDINARY>                                        0
<CHANGES>                                              0
<NET-INCOME>                                     967,707
<EPS-BASIC>                                         0.50
<EPS-DILUTED>                                       0.50
<YIELD-ACTUAL>                                      3.18
<LOANS-NON>                                      402,000
<LOANS-PAST>                                           0
<LOANS-TROUBLED>                                       0
<LOANS-PROBLEM>                                        0
<ALLOWANCE-OPEN>                               1,135,000
<CHARGE-OFFS>                                     32,000
<RECOVERIES>                                           0
<ALLOWANCE-CLOSE>                              1,153,000
<ALLOWANCE-DOMESTIC>                           1,153,000
<ALLOWANCE-FOREIGN>                                    0
<ALLOWANCE-UNALLOCATED>                                0


</TABLE>



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