<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information derived from
the quarterly report on form 10-QSB and is qualified in its entirety
by reference to such financial statements.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 2,798,025
<INT-BEARING-DEPOSITS> 25,094
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 13,290,613
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 82,793,524
<ALLOWANCE> 1,115,181
<TOTAL-ASSETS> 105,335,225
<DEPOSITS> 91,363,524
<SHORT-TERM> 6,214,084
<LIABILITIES-OTHER> 550,600
<LONG-TERM> 0
0
0
<COMMON> 3,501,635
<OTHER-SE> 3,705,382
<TOTAL-LIABILITIES-AND-EQUITY> 105,335,225
<INTEREST-LOAN> 3,510,540
<INTEREST-INVEST> 348,172
<INTEREST-OTHER> 45,379
<INTEREST-TOTAL> 3,904,091
<INTEREST-DEPOSIT> 1,771,566
<INTEREST-EXPENSE> 2,111,129
<INTEREST-INCOME-NET> 1,792,962
<LOAN-LOSSES> 290,000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1,800,466
<INCOME-PRETAX> 28,187
<INCOME-PRE-EXTRAORDINARY> 28,187
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 42,348
<EPS-BASIC> .06
<EPS-DILUTED> .06
<YIELD-ACTUAL> 0
<LOANS-NON> 2,666,000
<LOANS-PAST> 7,000
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 1,009,971
<ALLOWANCE-OPEN> 1,211,628
<CHARGE-OFFS> 387,632
<RECOVERIES> 1,185
<ALLOWANCE-CLOSE> 1,115,181
<ALLOWANCE-DOMESTIC> 1,115,181
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>