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<TABLE> <S> <C>
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<S> <C>
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<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<CASH> 5,007,260
<INT-BEARING-DEPOSITS> 824,000
<FED-FUNDS-SOLD> 11,526,000
<TRADING-ASSETS> 0
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<INVESTMENTS-CARRYING> 347,275
<INVESTMENTS-MARKET> 348,875
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<ALLOWANCE> 2,341,661
<TOTAL-ASSETS> 189,634,521
<DEPOSITS> 166,287,083
<SHORT-TERM> 0
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<LONG-TERM> 4,323,465
0
0
<COMMON> 399,500
<OTHER-SE> 16,837,752
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<INTEREST-LOAN> 7,666,025
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<ALLOWANCE-UNALLOCATED> 2,341,661
</TABLE>
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