<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> JUN-30-2000 <CASH> 6,496,704 <INT-BEARING-DEPOSITS> 5,075 <FED-FUNDS-SOLD> 2,210,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 2,008,293 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 47,607,223 <ALLOWANCE> 686,008 <TOTAL-ASSETS> 61,221,847 <DEPOSITS> 55,030,787 <SHORT-TERM> 0 <LIABILITIES-OTHER> 339,497 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 633,298 <OTHER-SE> 5,218,265 <TOTAL-LIABILITIES-AND-EQUITY> 61,221,847 <INTEREST-LOAN> 2,081,502 <INTEREST-INVEST> 69,478 <INTEREST-OTHER> 4,194 <INTEREST-TOTAL> 2,191,878 <INTEREST-DEPOSIT> 866,339 <INTEREST-EXPENSE> 869,707 <INTEREST-INCOME-NET> 1,322,171 <LOAN-LOSSES> 157,200 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 1,189,940 <INCOME-PRETAX> 208,016 <INCOME-PRE-EXTRAORDINARY> 208,016 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 681,692 <EPS-BASIC> 1.08 <EPS-DILUTED> 1.08 <YIELD-ACTUAL> 6.03 <LOANS-NON> 509,299 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 528,808 <CHARGE-OFFS> 0 <RECOVERIES> 0 <ALLOWANCE-CLOSE> 157,200 <ALLOWANCE-DOMESTIC> 686,008 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 683,000