<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                       DEC-31-2000
<PERIOD-END>                            JUN-30-2000
<CASH>                                   2,572,000
<INT-BEARING-DEPOSITS>                           0
<FED-FUNDS-SOLD>                                 0
<TRADING-ASSETS>                                 0
<INVESTMENTS-HELD-FOR-SALE>                      0
<INVESTMENTS-CARRYING>                  21,782,183
<INVESTMENTS-MARKET>                    21,049,451
<LOANS>                                 66,231,472
<ALLOWANCE>                                382,877
<TOTAL-ASSETS>                          92,582,330
<DEPOSITS>                              66,826,234
<SHORT-TERM>                                     0
<LIABILITIES-OTHER>                      1,175,296
<LONG-TERM>                              3,200,000
                            0
                                      0
<COMMON>                                   212,222
<OTHER-SE>                              21,168,578
<TOTAL-LIABILITIES-AND-EQUITY>          92,582,330
<INTEREST-LOAN>                          2,489,378
<INTEREST-INVEST>                          683,928
<INTEREST-OTHER>                           124,604
<INTEREST-TOTAL>                         3,297,910
<INTEREST-DEPOSIT>                       1,469,018
<INTEREST-EXPENSE>                       1,568,102
<INTEREST-INCOME-NET>                    1,729,807
<LOAN-LOSSES>                                    0
<SECURITIES-GAINS>                               0
<EXPENSE-OTHER>                            658,599
<INCOME-PRETAX>                          1,071,208
<INCOME-PRE-EXTRAORDINARY>               1,071,208
<EXTRAORDINARY>                                  0
<CHANGES>                                        0
<NET-INCOME>                               668,960
<EPS-BASIC>                                    .34
<EPS-DILUTED>                                  .34
<YIELD-ACTUAL>                                7.24
<LOANS-NON>                                      0
<LOANS-PAST>                                     0
<LOANS-TROUBLED>                                 0
<LOANS-PROBLEM>                                  0
<ALLOWANCE-OPEN>                           382,652
<CHARGE-OFFS>                                    0
<RECOVERIES>                                   225
<ALLOWANCE-CLOSE>                          382,877
<ALLOWANCE-DOMESTIC>                             0
<ALLOWANCE-FOREIGN>                              0
<ALLOWANCE-UNALLOCATED>                    382,877


</TABLE>



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