<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S 10-Q FOR PERIOD ENDING JUNE 30, 2000 AND IS QUALIFIED IN
ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS AND THE NOTES
THERETO.
</LEGEND>
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<CASH> 10,110,533
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 3,450,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 86,772,613
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 174,497,562
<ALLOWANCE> 2,761,232
<TOTAL-ASSETS> 286,699,322
<DEPOSITS> 247,132,410
<SHORT-TERM> 0
<LIABILITIES-OTHER> 3,065,015
<LONG-TERM> 1,755,288
0
0
<COMMON> 1,544,455
<OTHER-SE> 33,202,154
<TOTAL-LIABILITIES-AND-EQUITY> 286,699,322
<INTEREST-LOAN> 8,875,730
<INTEREST-INVEST> 2,466,830
<INTEREST-OTHER> 220,145
<INTEREST-TOTAL> 11,562,705
<INTEREST-DEPOSIT> 5,004,023
<INTEREST-EXPENSE> 5,062,855
<INTEREST-INCOME-NET> 6,320,361
<LOAN-LOSSES> 179,489
<SECURITIES-GAINS> (16,641)
<EXPENSE-OTHER> 4,698,180
<INCOME-PRETAX> 2,941,553
<INCOME-PRE-EXTRAORDINARY> 1,995,887
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,995,887
<EPS-BASIC> 1.28
<EPS-DILUTED> 1.27
<YIELD-ACTUAL> 2.39
<LOANS-NON> 984,446
<LOANS-PAST> 194,210
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,838,481
<CHARGE-OFFS> 386,015
<RECOVERIES> 129,277
<ALLOWANCE-CLOSE> 2,761,232
<ALLOWANCE-DOMESTIC> 2,761,232
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>