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<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> Dec-31-2000
<PERIOD-END> JUN-30-2000
<CASH> 856,347
<INT-BEARING-DEPOSITS> 4,889,742
<FED-FUNDS-SOLD> 0
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<INVESTMENTS-MARKET> 6,001,050
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<ALLOWANCE> 472,704
<TOTAL-ASSETS> 124,747,574
<DEPOSITS> 96,466,633
<SHORT-TERM> 15,050,000
<LIABILITIES-OTHER> 2,142,340
<LONG-TERM> 0
0
0
<COMMON> 6,190
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<INTEREST-DEPOSIT> 1,036,101
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<ALLOWANCE-DOMESTIC> 472,704
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</TABLE>
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