<ARTICLE>                                            9
<MULTIPLIER>                                         1
<CURRENCY>                                U.S. Dollars

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-START>                                 JAN-01-2000
<PERIOD-END>                                   JUN-30-2000
<EXCHANGE-RATE>                                          1
<CASH>                                           3,302,859
<INT-BEARING-DEPOSITS>                          12,981,534
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                     20,663,758
<INVESTMENTS-CARRYING>                          18,019,741
<INVESTMENTS-MARKET>                            16,970,945
<LOANS>                                        353,704,307
<ALLOWANCE>                                      2,026,519
<TOTAL-ASSETS>                                 420,735,144
<DEPOSITS>                                     321,166,766
<SHORT-TERM>                                    68,103,550
<LIABILITIES-OTHER>                              1,444,192
<LONG-TERM>                                              0
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<COMMON>                                         2,714,110
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<TOTAL-LIABILITIES-AND-EQUITY>                 420,735,144
<INTEREST-LOAN>                                 14,039,381
<INTEREST-INVEST>                                1,544,826
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                15,584,207
<INTEREST-DEPOSIT>                               7,023,327
<INTEREST-EXPENSE>                               9,212,037
<INTEREST-INCOME-NET>                            6,372,170
<LOAN-LOSSES>                                      790,000
<SECURITIES-GAINS>                                (287,282)
<EXPENSE-OTHER>                                  4,975,036
<INCOME-PRETAX>                                  1,492,559
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<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                       969,306
<EPS-BASIC>                                           0.36
<EPS-DILUTED>                                         0.34
<YIELD-ACTUAL>                                        3.21
<LOANS-NON>                                         29,521
<LOANS-PAST>                                       672,882
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<LOANS-PROBLEM>                                          0
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<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0