<ARTICLE> 9 <MULTIPLIER> 1 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> APR-01-2000 <PERIOD-END> JUN-30-2000 <CASH> 42,330,849 <INT-BEARING-DEPOSITS> 551,715 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 422,478,428 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 756,432,235 <ALLOWANCE> (11,668,362) <TOTAL-ASSETS> 1,284,473,077 <DEPOSITS> 902,723,037 <SHORT-TERM> 166,003,529 <LIABILITIES-OTHER> 16,116,119 <LONG-TERM> 113,342,581 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 22,652,660 <OTHER-SE> 68,635,151 <TOTAL-LIABILITIES-AND-EQUITY> 1,284,473,077 <INTEREST-LOAN> 14,718,174 <INTEREST-INVEST> 7,572,025 <INTEREST-OTHER> 229,134 <INTEREST-TOTAL> 22,519,333 <INTEREST-DEPOSIT> 5,401,427 <INTEREST-EXPENSE> 11,077,188 <INTEREST-INCOME-NET> 11,442,145 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 49,394 <EXPENSE-OTHER> 9,258,801 <INCOME-PRETAX> 6,632,576 <INCOME-PRE-EXTRAORDINARY> 6,632,576 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,353,339 <EPS-BASIC> 0.50 <EPS-DILUTED> 0.50 <YIELD-ACTUAL> 3.86 <LOANS-NON> 1,879,000 <LOANS-PAST> 0 <LOANS-TROUBLED> 243,000 <LOANS-PROBLEM> 10,024,361 <ALLOWANCE-OPEN> 11,158,126 <CHARGE-OFFS> 57,307 <RECOVERIES> 567,543 <ALLOWANCE-CLOSE> 11,668,362 <ALLOWANCE-DOMESTIC> 11,668,362 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0