<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> Dec-31-2000
<PERIOD-END> Jun-30-2000
<CASH> 2,863,867
<INT-BEARING-DEPOSITS> 192,930
<FED-FUNDS-SOLD> 950,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 62,265,575
<INVESTMENTS-CARRYING> 6,487,708
<INVESTMENTS-MARKET> 68,716,649
<LOANS> 212,185,988
<ALLOWANCE> 2,386,436
<TOTAL-ASSETS> 302,525,417
<DEPOSITS> 250,394,702
<SHORT-TERM> 15,000,000
<LIABILITIES-OTHER> 1,295,037
<LONG-TERM> 15,000,000
0
0
<COMMON> 2,239,775
<OTHER-SE> 18,402,508
<TOTAL-LIABILITIES-AND-EQUITY> 302,525,417
<INTEREST-LOAN> 8,347,632
<INTEREST-INVEST> 2,028,121
<INTEREST-OTHER> 424,877
<INTEREST-TOTAL> 10,800,630
<INTEREST-DEPOSIT> 3,335,793
<INTEREST-EXPENSE> 4,370,808
<INTEREST-INCOME-NET> 6,429,822
<LOAN-LOSSES> 240,000
<SECURITIES-GAINS> (1)
<EXPENSE-OTHER> 4,219,245
<INCOME-PRETAX> 3,788,759
<INCOME-PRE-EXTRAORDINARY> 3,788,759
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,430,585
<EPS-BASIC> 3.02
<EPS-DILUTED> 3.02
<YIELD-ACTUAL> 8.60
<LOANS-NON> 1,277,953
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,251,668
<CHARGE-OFFS> 173,773
<RECOVERIES> 68,541
<ALLOWANCE-CLOSE> 2,386,436
<ALLOWANCE-DOMESTIC> 2,386,436
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
