<ARTICLE>                                            9
<LEGEND>
This schedule contains summary financial information from SEC Form 10-Q and is
qualified in its entirety by reference to such financial information.
</LEGEND>

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-START>                                 JAN-01-2000
<PERIOD-END>                                   JUN-30-2000
<CASH>                                          22,233,674
<INT-BEARING-DEPOSITS>                             119,812
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                     38,371,497
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                        346,954,741
<ALLOWANCE>                                      5,044,595
<TOTAL-ASSETS>                                 418,334,055
<DEPOSITS>                                     335,010,992
<SHORT-TERM>                                     6,000,000
<LIABILITIES-OTHER>                              1,486,807
<LONG-TERM>                                     40,000,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                        36,882,916
<OTHER-SE>                                      (1,046,660)
<TOTAL-LIABILITIES-AND-EQUITY>                 418,334,055
<INTEREST-LOAN>                                 14,418,842
<INTEREST-INVEST>                                1,054,680
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                15,473,522
<INTEREST-DEPOSIT>                               6,699,192
<INTEREST-EXPENSE>                               7,857,272
<INTEREST-INCOME-NET>                            7,616,250
<LOAN-LOSSES>                                    1,082,000
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                  6,107,695
<INCOME-PRETAX>                                  1,349,937
<INCOME-PRE-EXTRAORDINARY>                       1,349,937
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                     1,349,937
<EPS-BASIC>                                          .38
<EPS-DILUTED>                                          .37
<YIELD-ACTUAL>                                        3.95
<LOANS-NON>                                        106,699
<LOANS-PAST>                                        49,849
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                 3,995,165
<CHARGE-OFFS>                                            0
<RECOVERIES>                                             0
<ALLOWANCE-CLOSE>                                5,044,595
<ALLOWANCE-DOMESTIC>                             5,044,595
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0