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<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> JUN-30-2000
<CASH> 2,654,196
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 600,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 4,420,660
<INVESTMENTS-CARRYING> 326,146
<INVESTMENTS-MARKET> 327,610
<LOANS> 27,872,316
<ALLOWANCE> 170,791
<TOTAL-ASSETS> 36,743,858
<DEPOSITS> 33,075,070
<SHORT-TERM> 0
<LIABILITIES-OTHER> 257,257
<LONG-TERM> 0
0
0
<COMMON> 625,000
<OTHER-SE> 2,786,531
<TOTAL-LIABILITIES-AND-EQUITY> 36,743,858
<INTEREST-LOAN> 1,177,541
<INTEREST-INVEST> 150,562
<INTEREST-OTHER> 28,409
<INTEREST-TOTAL> 1,356,512
<INTEREST-DEPOSIT> 612,522
<INTEREST-EXPENSE> 612,522
<INTEREST-INCOME-NET> 739,990
<LOAN-LOSSES> 4,000
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<EXPENSE-OTHER> 466,015
<INCOME-PRETAX> 332,617
<INCOME-PRE-EXTRAORDINARY> 332,617
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<EPS-BASIC> 3.60
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<YIELD-ACTUAL> 3.92
<LOANS-NON> 295,876
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<ALLOWANCE-CLOSE> 170,792
<ALLOWANCE-DOMESTIC> 60,730
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 110,062
</TABLE>
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