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<TABLE> <S> <C>
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<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 4,413,222
<INT-BEARING-DEPOSITS> 1,205,662
<FED-FUNDS-SOLD> 1,120,000
<TRADING-ASSETS> 0
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<ALLOWANCE> 1,720,905
<TOTAL-ASSETS> 149,116,554
<DEPOSITS> 132,691,520
<SHORT-TERM> 4,350,000
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<LONG-TERM> 0
0
0
<COMMON> 775,325
<OTHER-SE> 10,240,706
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<INTEREST-DEPOSIT> 2,708,226
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</TABLE>
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