WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.

<TABLE> <S> <C>



<ARTICLE> 9
<LEGEND>
                                  EXHIBIT - 27
 THIS LEGEND CONTAINS SUMMARY INFORMATION EXTRACTED FROM THE FORM 10-Q
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

<MULTIPLIER> 1

<S>                                               <C>
<PERIOD-TYPE>                                     6-MOS
<FISCAL-YEAR-END>                                 DEC-31-2000
<PERIOD-END>                                      JUN-30-2000
<CASH>                                              2,790,415
<INT-BEARING-DEPOSITS>                              2,025,436
<FED-FUNDS-SOLD>                                            0
<TRADING-ASSETS>                                      910,059
<INVESTMENTS-HELD-FOR-SALE>                         7,344,214
<INVESTMENTS-CARRYING>                                      0
<INVESTMENTS-MARKET>                                        0
<LOANS>                                           110,827,418
<ALLOWANCE>                                           636,675
<TOTAL-ASSETS>                                    132,430,308
<DEPOSITS>                                         94,092,073
<SHORT-TERM>                                       14,000,000
<LIABILITIES-OTHER>                                 2,463,522
<LONG-TERM>                                        10,853,201
<COMMON>                                               16,862
                                       0
                                                 0
<OTHER-SE>                                         11,004,650
<TOTAL-LIABILITIES-AND-EQUITY>                    132,430,308
<INTEREST-LOAN>                                     4,056,118
<INTEREST-INVEST>                                     372,823
<INTEREST-OTHER>                                            0
<INTEREST-TOTAL>                                    4,428,941
<INTEREST-DEPOSIT>                                  2,033,611
<INTEREST-EXPENSE>                                  2,763,046
<INTEREST-INCOME-NET>                               1,665,895
<LOAN-LOSSES>                                          50,579
<SECURITIES-GAINS>                                    (29,314)
<EXPENSE-OTHER>                                     1,466,890
<INCOME-PRETAX>                                       385,435
<INCOME-PRE-EXTRAORDINARY>                            385,435
<EXTRAORDINARY>                                             0
<CHANGES>                                                   0
<NET-INCOME>                                          318,631
<EPS-BASIC>                                              0.35
<EPS-DILUTED>                                            0.35
<YIELD-ACTUAL>                                           2.77
<LOANS-NON>                                         1,321,000
<LOANS-PAST>                                                0
<LOANS-TROUBLED>                                            0
<LOANS-PROBLEM>                                             0
<ALLOWANCE-OPEN>                                      590,701
<CHARGE-OFFS>                                           4,605
<RECOVERIES>                                                0
<ALLOWANCE-CLOSE>                                     636,675
<ALLOWANCE-DOMESTIC>                                  636,675
<ALLOWANCE-FOREIGN>                                         0
<ALLOWANCE-UNALLOCATED>                                     0


</TABLE>



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