<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> JUN-30-2000 <CASH> 1,693,808 <INT-BEARING-DEPOSITS> 194,980 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 25,983,845 <INVESTMENTS-CARRYING> 7,363,686 <INVESTMENTS-MARKET> 7,368,827 <LOANS> 56,041,670 <ALLOWANCE> 463,895 <TOTAL-ASSETS> 94,845,211 <DEPOSITS> 54,765,424 <SHORT-TERM> 11,658,000 <LIABILITIES-OTHER> 30,240,622 <LONG-TERM> 17,766,617 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 155,735 <OTHER-SE> 9,683,430 <TOTAL-LIABILITIES-AND-EQUITY> 94,845,211 <INTEREST-LOAN> 2,103,051 <INTEREST-INVEST> 1,146,807 <INTEREST-OTHER> 13,134 <INTEREST-TOTAL> 3,262,992 <INTEREST-DEPOSIT> 1,191,881 <INTEREST-EXPENSE> 2,013,946 <INTEREST-INCOME-NET> 1,249,046 <LOAN-LOSSES> 0 <SECURITIES-GAINS> (6,158) <EXPENSE-OTHER> 1,045,878 <INCOME-PRETAX> 315,617 <INCOME-PRE-EXTRAORDINARY> 315,617 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 211,917 <EPS-BASIC> 0.24 <EPS-DILUTED> 0.23 <YIELD-ACTUAL> 2.88 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 75,931 <ALLOWANCE-OPEN> 464,453 <CHARGE-OFFS> 1,529 <RECOVERIES> 1,011 <ALLOWANCE-CLOSE> 463,935 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 463,935