<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION QUARTERLY REPORT ON FORM
10-QSB FOR THE FISCAL QUARTER IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH
FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 7,420,270
<INT-BEARING-DEPOSITS> 498,000
<FED-FUNDS-SOLD> 9,347,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 39,474,647
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 103,933,256
<ALLOWANCE> 1,792,862
<TOTAL-ASSETS> 165,808,572
<DEPOSITS> 140,293,658
<SHORT-TERM> 9,865,528
<LIABILITIES-OTHER> 351,926
<LONG-TERM> 1,000,000
0
0
<COMMON> 7,860,674
<OTHER-SE> 6,436,786
<TOTAL-LIABILITIES-AND-EQUITY> 165,808,572
<INTEREST-LOAN> 4,581,361
<INTEREST-INVEST> 1,235,967
<INTEREST-OTHER> 301,303
<INTEREST-TOTAL> 6,118,631
<INTEREST-DEPOSIT> 2,804,409
<INTEREST-EXPENSE> 3,070,360
<INTEREST-INCOME-NET> 3,048,271
<LOAN-LOSSES> 300,000
<SECURITIES-GAINS> (25,781)
<EXPENSE-OTHER> 3,028,404
<INCOME-PRETAX> 93,546
<INCOME-PRE-EXTRAORDINARY> 93,546
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 101,713
<EPS-BASIC> .28
<EPS-DILUTED> .28
<YIELD-ACTUAL> 3.91
<LOANS-NON> 951,000
<LOANS-PAST> 216,000
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 11,000,209
<ALLOWANCE-OPEN> 1,649,815
<CHARGE-OFFS> 304,000
<RECOVERIES> 147,047
<ALLOWANCE-CLOSE> 1,792,862
<ALLOWANCE-DOMESTIC> 1,655,586
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 137,276
</TABLE>