<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FINANCIAL
STATEMENTS FOR THE SIX MONTHS ENDED JUNE 30, 2000, CONTAINED IN FORM 10-QSB AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FORM 10-QSB.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 4,608,730
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 1,265,222
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 26,419,869
<INVESTMENTS-CARRYING> 3,032,624
<INVESTMENTS-MARKET> 2,911,747
<LOANS> 60,227,251
<ALLOWANCE> 805,929
<TOTAL-ASSETS> 101,700,263
<DEPOSITS> 83,482,402
<SHORT-TERM> 3,184,291
<LIABILITIES-OTHER> 590,993
<LONG-TERM> 0
0
0
<COMMON> 1,207,177
<OTHER-SE> 13,235,400
<TOTAL-LIABILITIES-AND-EQUITY> 101,700,263
<INTEREST-LOAN> 2,544,221
<INTEREST-INVEST> 855,649
<INTEREST-OTHER> 176,206
<INTEREST-TOTAL> 3,576,076
<INTEREST-DEPOSIT> 1,406,412
<INTEREST-EXPENSE> 1,488,870
<INTEREST-INCOME-NET> 2,087,206
<LOAN-LOSSES> 88,500
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1,629,355
<INCOME-PRETAX> 648,201
<INCOME-PRE-EXTRAORDINARY> 648,201
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 425,009
<EPS-BASIC> .35
<EPS-DILUTED> .34
<YIELD-ACTUAL> 4.64
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 703,993
<CHARGE-OFFS> 0
<RECOVERIES> 13,436
<ALLOWANCE-CLOSE> 805,929
<ALLOWANCE-DOMESTIC> 805,929
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 805,929
</TABLE>