<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM UNAUDITED
CONSOLIDATED CONDENSED FINANCIAL STATEMENTS AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 27,023,183
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 1,300,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 91,874,311
<INVESTMENTS-CARRYING> 36,178,852
<INVESTMENTS-MARKET> 36,034,425
<LOANS> 418,705,557
<ALLOWANCE> 5,837,837
<TOTAL-ASSETS> 595,249,633
<DEPOSITS> 491,358,360
<SHORT-TERM> 51,902,379
<LIABILITIES-OTHER> 4,382,986
<LONG-TERM> 1,127,046
0
0
<COMMON> 47,756,077
<OTHER-SE> (1,277,215)
<TOTAL-LIABILITIES-AND-EQUITY> 595,249,633
<INTEREST-LOAN> 20,531,238
<INTEREST-INVEST> 3,589,629
<INTEREST-OTHER> 203,645
<INTEREST-TOTAL> 24,324,512
<INTEREST-DEPOSIT> 7,550,676
<INTEREST-EXPENSE> 9,056,712
<INTEREST-INCOME-NET> 15,267,800
<LOAN-LOSSES> 1,225,004
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 12,889,515
<INCOME-PRETAX> 5,163,335
<INCOME-PRE-EXTRAORDINARY> 5,163,335
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 3,381,891
<EPS-BASIC> .69
<EPS-DILUTED> .68
<YIELD-ACTUAL> 5.59
<LOANS-NON> 3,577,535
<LOANS-PAST> 180
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 4,900,909
<ALLOWANCE-OPEN> 5,386,622
<CHARGE-OFFS> 1,008,126
<RECOVERIES> 234,338
<ALLOWANCE-CLOSE> 5,837,837
<ALLOWANCE-DOMESTIC> 5,837,837
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>