<TABLE> <S> <C>
<ARTICLE> 9
<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> 24,162,161
<INT-BEARING-DEPOSITS> 100,000
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 227,372,262
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 812,458,855
<ALLOWANCE> 11,588,649
<TOTAL-ASSETS> 1,078,266,409
<DEPOSITS> 840,935,077
<SHORT-TERM> 134,101,643
<LIABILITIES-OTHER> 13,088,321
<LONG-TERM> 0
0
0
<COMMON> 1,177,619
<OTHER-SE> 88,963,749
<TOTAL-LIABILITIES-AND-EQUITY> 1,078,266,409
<INTEREST-LOAN> 31,924,546
<INTEREST-INVEST> 7,168,457
<INTEREST-OTHER> 40,443
<INTEREST-TOTAL> 39,133,446
<INTEREST-DEPOSIT> 19,577,651
<INTEREST-EXPENSE> 22,581,332
<INTEREST-INCOME-NET> 16,552,114
<LOAN-LOSSES> 1,120,000
<SECURITIES-GAINS> 1,615
<EXPENSE-OTHER> 8,057,390
<INCOME-PRETAX> 8,479,918
<INCOME-PRE-EXTRAORDINARY> 8,479,918
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 5,635,918
<EPS-BASIC> .80
<EPS-DILUTED> .77
<YIELD-ACTUAL> 3.43
<LOANS-NON> 0
<LOANS-PAST> 12,000
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 10,448,496
<CHARGE-OFFS> 188
<RECOVERIES> 20,341
<ALLOWANCE-CLOSE> 11,588,649
<ALLOWANCE-DOMESTIC> 10,538,426
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 1,050,223
</TABLE>