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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
CONSOLIDATED FINANCIAL INFORMATION INCORPORATED BY REFERENCE TO THE 2000 SECOND
QUARTER INCORPORATED FINANCIAL REVIEW AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 18,259,471
<INT-BEARING-DEPOSITS> 547,138
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 103,653,207
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 295,054,423
<ALLOWANCE> 3,319,470
<TOTAL-ASSETS> 425,622,981
<DEPOSITS> 299,437,203
<SHORT-TERM> 6,600,000
<LIABILITIES-OTHER> 6,440,833
<LONG-TERM> 82,250,000
0
0
<COMMON> 3,016,918
<OTHER-SE> 27,878,026
<TOTAL-LIABILITIES-AND-EQUITY> 425,622,981
<INTEREST-LOAN> 11,241,512
<INTEREST-INVEST> 3,490,516
<INTEREST-OTHER> 16,919
<INTEREST-TOTAL> 14,748,947
<INTEREST-DEPOSIT> 4,709,773
<INTEREST-EXPENSE> 6,773,744
<INTEREST-INCOME-NET> 7,975,203
<LOAN-LOSSES> 450,000
<SECURITIES-GAINS> 818
<EXPENSE-OTHER> 4,869,361
<INCOME-PRETAX> 3,436,641
<INCOME-PRE-EXTRAORDINARY> 2,297,641
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,297,641
<EPS-BASIC> 0.79
<EPS-DILUTED> 0.78
<YIELD-ACTUAL> 4.26
<LOANS-NON> 748,860
<LOANS-PAST> 441,917
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> (3,088,257)
<CHARGE-OFFS> 234,913
<RECOVERIES> 16,126
<ALLOWANCE-CLOSE> (3,319,470)
<ALLOWANCE-DOMESTIC> (2,701,316)
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> (618,154)
</TABLE>
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