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<TABLE> <S> <C>
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<S> <C>
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<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<CASH> 1,356,225
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 9,011
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<INVESTMENTS-MARKET> 0
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<ALLOWANCE> (589,850)
<TOTAL-ASSETS> 42,275,969
<DEPOSITS> 35,680,045
<SHORT-TERM> 3,097,171
<LIABILITIES-OTHER> 558,462
<LONG-TERM> 1,559,116
0
0
<COMMON> 21,430
<OTHER-SE> 1,359,745
<TOTAL-LIABILITIES-AND-EQUITY> 42,275,969
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<INTEREST-DEPOSIT> 760,753
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<EXPENSE-OTHER> 2,174,220
<INCOME-PRETAX> (541,324)
<INCOME-PRE-EXTRAORDINARY> (546,370)
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<NET-INCOME> (546,370)
<EPS-BASIC> (0.27)
<EPS-DILUTED> (0.27)
<YIELD-ACTUAL> 3.66
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<LOANS-TROUBLED> 0
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<ALLOWANCE-DOMESTIC> 461,857
<ALLOWANCE-FOREIGN> 0
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</TABLE>
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