<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                       1,378,461
<INT-BEARING-DEPOSITS>                          56,000
<FED-FUNDS-SOLD>                             5,881,287
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 10,458,420
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                     24,915,642
<ALLOWANCE>                                    374,000
<TOTAL-ASSETS>                              44,666,008
<DEPOSITS>                                  30,511,796
<SHORT-TERM>                                 3,302,857
<LIABILITIES-OTHER>                            282,783
<LONG-TERM>                                          0
                                0
                                          0
<COMMON>                                     1,200,000
<OTHER-SE>                                   9,368,572
<TOTAL-LIABILITIES-AND-EQUITY>              44,666,008
<INTEREST-LOAN>                                420,216
<INTEREST-INVEST>                              277,095
<INTEREST-OTHER>                               186,033
<INTEREST-TOTAL>                               883,344
<INTEREST-DEPOSIT>                             365,119
<INTEREST-EXPENSE>                             398,379
<INTEREST-INCOME-NET>                          484,965
<LOAN-LOSSES>                                  374,000
<SECURITIES-GAINS>                               (495)
<EXPENSE-OTHER>                              1,084,469
<INCOME-PRETAX>                              (950,668)
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 (950,668)
<EPS-BASIC>                                      (.81)
<EPS-DILUTED>                                    (.81)
<YIELD-ACTUAL>                                    3.93
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                     0
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                              374,000
<ALLOWANCE-DOMESTIC>                           374,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0


</TABLE>



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