<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> JUN-30-2000 <CASH> 4,240,472 <INT-BEARING-DEPOSITS> 243,609 <FED-FUNDS-SOLD> 53,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 18,384,174 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 93,250,839 <ALLOWANCE> 1,022,412 <TOTAL-ASSETS> 120,691,353 <DEPOSITS> 105,783,146 <SHORT-TERM> 2,850,953 <LIABILITIES-OTHER> 820,078 <LONG-TERM> 14,117 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 297,248 <OTHER-SE> 10,925,109 <TOTAL-LIABILITIES-AND-EQUITY> 120,691,353 <INTEREST-LOAN> 3,774,592 <INTEREST-INVEST> 515,040 <INTEREST-OTHER> 69,913 <INTEREST-TOTAL> 4,359,545 <INTEREST-DEPOSIT> 2,278,213 <INTEREST-EXPENSE> 2,350,483 <INTEREST-INCOME-NET> 2,009,062 <LOAN-LOSSES> 78,000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,814,942 <INCOME-PRETAX> 721,137 <INCOME-PRE-EXTRAORDINARY> 721,137 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 546,422 <EPS-BASIC> 1.01 <EPS-DILUTED> 1.01 <YIELD-ACTUAL> 3.76 <LOANS-NON> 398,576 <LOANS-PAST> 230,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 895,952 <CHARGE-OFFS> 21,980 <RECOVERIES> 70,440 <ALLOWANCE-CLOSE> 1,022,412 <ALLOWANCE-DOMESTIC> 972,014 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 50,398