<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> JUN-30-2000 <CASH> 2,572,000 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 0 <INVESTMENTS-CARRYING> 21,782,183 <INVESTMENTS-MARKET> 21,049,451 <LOANS> 66,231,472 <ALLOWANCE> 382,877 <TOTAL-ASSETS> 92,582,330 <DEPOSITS> 66,826,234 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,175,296 <LONG-TERM> 3,200,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 212,222 <OTHER-SE> 21,168,578 <TOTAL-LIABILITIES-AND-EQUITY> 92,582,330 <INTEREST-LOAN> 2,489,378 <INTEREST-INVEST> 683,928 <INTEREST-OTHER> 124,604 <INTEREST-TOTAL> 3,297,910 <INTEREST-DEPOSIT> 1,469,018 <INTEREST-EXPENSE> 1,568,102 <INTEREST-INCOME-NET> 1,729,807 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 658,599 <INCOME-PRETAX> 1,071,208 <INCOME-PRE-EXTRAORDINARY> 1,071,208 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 668,960 <EPS-BASIC> .34 <EPS-DILUTED> .34 <YIELD-ACTUAL> 7.24 <LOANS-NON> 0 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 382,652 <CHARGE-OFFS> 0 <RECOVERIES> 225 <ALLOWANCE-CLOSE> 382,877 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 382,877