|
|
|
|
|
|
|
|
|
<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> JUN-30-2000
<CASH> 3,434,870
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 975,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 24,701,248
<INVESTMENTS-CARRYING> 1,071,313
<INVESTMENTS-MARKET> 994,634
<LOANS> 72,441,110
<ALLOWANCE> 964,601
<TOTAL-ASSETS> 108,346,403
<DEPOSITS> 99,562,494
<SHORT-TERM> 1,050,288
<LIABILITIES-OTHER> 995,668
<LONG-TERM> 2,495,000
0
0
<COMMON> 5,390
<OTHER-SE> 4,237,563
<TOTAL-LIABILITIES-AND-EQUITY> 108,346,403
<INTEREST-LOAN> 3,412,495
<INTEREST-INVEST> 829,972
<INTEREST-OTHER> 62,590
<INTEREST-TOTAL> 4,305,057
<INTEREST-DEPOSIT> 2,208,207
<INTEREST-EXPENSE> 2,356,582
<INTEREST-INCOME-NET> 1,948,475
<LOAN-LOSSES> 120,000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1,486,510
<INCOME-PRETAX> 529,202
<INCOME-PRE-EXTRAORDINARY> 353,079
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 353,079
<EPS-BASIC> 0.66
<EPS-DILUTED> 0.66
<YIELD-ACTUAL> 8.69
<LOANS-NON> 500,000
<LOANS-PAST> 440,000
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 842,328
<CHARGE-OFFS> 28,557
<RECOVERIES> 30,830
<ALLOWANCE-CLOSE> 964,601
<ALLOWANCE-DOMESTIC> 964,601
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
|
|