<TABLE> <S> <C>

<ARTICLE> 9
<MULTIPLIER> 1

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-END>                               JUN-30-2000
<CASH>                                       4,656,741
<INT-BEARING-DEPOSITS>                          28,345
<FED-FUNDS-SOLD>                             4,890,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 38,864,441
<INVESTMENTS-CARRYING>                         597,566
<INVESTMENTS-MARKET>                           621,063
<LOANS>                                    142,780,869
<ALLOWANCE>                                  1,936,405
<TOTAL-ASSETS>                             198,061,783
<DEPOSITS>                                 169,871,907
<SHORT-TERM>                                 7,071,113
<LIABILITIES-OTHER>                          1,854,325
<LONG-TERM>                                  1,000,000
                                0
                                          0
<COMMON>                                       369,811
<OTHER-SE>                                  17,888,627
<TOTAL-LIABILITIES-AND-EQUITY>             198,061,783
<INTEREST-LOAN>                              6,263,656
<INTEREST-INVEST>                            1,214,872
<INTEREST-OTHER>                                70,563
<INTEREST-TOTAL>                             7,549,091
<INTEREST-DEPOSIT>                           3,139,261
<INTEREST-EXPENSE>                           3,306,832
<INTEREST-INCOME-NET>                        4,242,259
<LOAN-LOSSES>                                  402,500
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              2,677,385
<INCOME-PRETAX>                              1,648,163
<INCOME-PRE-EXTRAORDINARY>                   1,648,163
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,126,081
<EPS-BASIC>                                       1.53
<EPS-DILUTED>                                     1.53
<YIELD-ACTUAL>                                    4.54
<LOANS-NON>                                  1,131,000
<LOANS-PAST>                                   858,000
<LOANS-TROUBLED>                               559,000
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,833,615
<CHARGE-OFFS>                                  327,828
<RECOVERIES>                                    28,118
<ALLOWANCE-CLOSE>                            1,936,405
<ALLOWANCE-DOMESTIC>                         1,885,705
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                         50,700


</TABLE>



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