<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1
<CURRENCY> U.S. Dollars
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<EXCHANGE-RATE> 1
<CASH> 3,302,859
<INT-BEARING-DEPOSITS> 12,981,534
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 20,663,758
<INVESTMENTS-CARRYING> 18,019,741
<INVESTMENTS-MARKET> 16,970,945
<LOANS> 353,704,307
<ALLOWANCE> 2,026,519
<TOTAL-ASSETS> 420,735,144
<DEPOSITS> 321,166,766
<SHORT-TERM> 68,103,550
<LIABILITIES-OTHER> 1,444,192
<LONG-TERM> 0
0
0
<COMMON> 2,714,110
<OTHER-SE> 27,306,526
<TOTAL-LIABILITIES-AND-EQUITY> 420,735,144
<INTEREST-LOAN> 14,039,381
<INTEREST-INVEST> 1,544,826
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 15,584,207
<INTEREST-DEPOSIT> 7,023,327
<INTEREST-EXPENSE> 9,212,037
<INTEREST-INCOME-NET> 6,372,170
<LOAN-LOSSES> 790,000
<SECURITIES-GAINS> (287,282)
<EXPENSE-OTHER> 4,975,036
<INCOME-PRETAX> 1,492,559
<INCOME-PRE-EXTRAORDINARY> 1,492,559
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 969,306
<EPS-BASIC> 0.36
<EPS-DILUTED> 0.34
<YIELD-ACTUAL> 3.21
<LOANS-NON> 29,521
<LOANS-PAST> 672,882
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,306,381
<CHARGE-OFFS> 94,194
<RECOVERIES> 24,332
<ALLOWANCE-CLOSE> 2,026,519
<ALLOWANCE-DOMESTIC> 2,026,519
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>