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<TABLE> <S> <C>
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<CURRENCY> U.S.
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<EXCHANGE-RATE> 1
<CASH> 2,130,111
<INT-BEARING-DEPOSITS> 10,729
<FED-FUNDS-SOLD> 3,070,000
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<INVESTMENTS-CARRYING> 2,401,359
<INVESTMENTS-MARKET> 0
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<TOTAL-ASSETS> 66,032,422
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0
0
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<OTHER-SE> (153,683)
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<EPS-BASIC> .32
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</TABLE>
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