<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-1999 <PERIOD-END> JUN-30-2000 <CASH> 2,686,539 <INT-BEARING-DEPOSITS> 10,194,434 <FED-FUNDS-SOLD> 15,921,664 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 44,166,980 <INVESTMENTS-CARRYING> 2,710,244 <INVESTMENTS-MARKET> 0 <LOANS> 1,092,109,265 <ALLOWANCE> 19,072,553 <TOTAL-ASSETS> 1,191,625,808 <DEPOSITS> 142,482,158 <SHORT-TERM> 377,598,417 <LIABILITIES-OTHER> 28,359,754 <LONG-TERM> 486,649,295 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 121,984,032 <OTHER-SE> 215,873 <TOTAL-LIABILITIES-AND-EQUITY> 1,191,625,808 <INTEREST-LOAN> 43,443,662 <INTEREST-INVEST> 2,331,643 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 45,775,305 <INTEREST-DEPOSIT> 3,200,690 <INTEREST-EXPENSE> 30,377,027 <INTEREST-INCOME-NET> 15,398,278 <LOAN-LOSSES> 441,667 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 13,613,773 <INCOME-PRETAX> 4,276,151 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,470,694 <EPS-BASIC> 5.69 <EPS-DILUTED> 5.69 <YIELD-ACTUAL> 2.79 <LOANS-NON> 707,259 <LOANS-PAST> 54,579 <LOANS-TROUBLED> 1,342,008 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 18,693,670 <CHARGE-OFFS> 480,355 <RECOVERIES> 417,571 <ALLOWANCE-CLOSE> 19,072,553 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 19,072,553