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<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<CASH> 19,982,874
<INT-BEARING-DEPOSITS> 110,000
<FED-FUNDS-SOLD> 0
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<INVESTMENTS-HELD-FOR-SALE> 85,908,841
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
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<ALLOWANCE> 6,732,002
<TOTAL-ASSETS> 666,678,336
<DEPOSITS> 540,863,353
<SHORT-TERM> 42,289,000
<LIABILITIES-OTHER> 6,436,805
<LONG-TERM> 30,951,723
0
0
<COMMON> 11,439,255
<OTHER-SE> 34,698,200
<TOTAL-LIABILITIES-AND-EQUITY> 666,678,336
<INTEREST-LOAN> 23,562,677
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<INTEREST-TOTAL> 26,315,864
<INTEREST-DEPOSIT> 11,293,658
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<INTEREST-INCOME-NET> 12,902,256
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<EPS-BASIC> 0.77
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<YIELD-ACTUAL> 4.28
<LOANS-NON> 1,339,767
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<ALLOWANCE-FOREIGN> 0
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</TABLE>
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