<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This summary financial information is qualified in its entirety by reference to
the Company's financial statements.
</LEGEND>
<MULTIPLIER> 1
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<CASH> 5,900,787
<INT-BEARING-DEPOSITS> 210,854
<FED-FUNDS-SOLD> 2,263,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 18,667,424
<INVESTMENTS-CARRYING> 25,129,840
<INVESTMENTS-MARKET> 24,561,327
<LOANS> 131,161,961
<ALLOWANCE> 1,543,638
<TOTAL-ASSETS> 194,164,244
<DEPOSITS> 160,388,287
<SHORT-TERM> 15,219,244
<LIABILITIES-OTHER> 760,301
<LONG-TERM> 18,000
0
0
<COMMON> 2,414,605
<OTHER-SE> 15,363,807
<TOTAL-LIABILITIES-AND-EQUITY> 194,164,244
<INTEREST-LOAN> 6,063,052
<INTEREST-INVEST> 1,591,070
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 7,654,122
<INTEREST-DEPOSIT> 3,024,473
<INTEREST-EXPENSE> 3,661,254
<INTEREST-INCOME-NET> 3,992,868
<LOAN-LOSSES> 120,000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 3,255,308
<INCOME-PRETAX> 1,350,206
<INCOME-PRE-EXTRAORDINARY> 1,350,206
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 966,145
<EPS-BASIC> 0.50
<EPS-DILUTED> 0.50
<YIELD-ACTUAL> 4.38
<LOANS-NON> 607,542
<LOANS-PAST> 596,066
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,486,900
<CHARGE-OFFS> 91,004
<RECOVERIES> 27,742
<ALLOWANCE-CLOSE> 1,543,638
<ALLOWANCE-DOMESTIC> 940,820
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 602,818
</TABLE>