<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM JUNE 30,
2000 10Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                      13,484,699
<INT-BEARING-DEPOSITS>                         500,000
<FED-FUNDS-SOLD>                            12,360,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 69,661,495
<INVESTMENTS-CARRYING>                       8,501,296
<INVESTMENTS-MARKET>                         8,369,295
<LOANS>                                    257,384,652
<ALLOWANCE>                                  3,966,330
<TOTAL-ASSETS>                             374,173,647
<DEPOSITS>                                 302,692,130
<SHORT-TERM>                                18,766,031
<LIABILITIES-OTHER>                          4,153,418
<LONG-TERM>                                 17,000,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     6,279,456
<OTHER-SE>                                  25,282,612
<TOTAL-LIABILITIES-AND-EQUITY>             374,173,647
<INTEREST-LOAN>                             11,503,838
<INTEREST-INVEST>                            2,678,449
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                            14,182,287
<INTEREST-DEPOSIT>                           6,026,744
<INTEREST-EXPENSE>                           6,830,202
<INTEREST-INCOME-NET>                        7,352,085
<LOAN-LOSSES>                                  498,000
<SECURITIES-GAINS>                            (28,517)
<EXPENSE-OTHER>                              5,667,940
<INCOME-PRETAX>                              2,899,635
<INCOME-PRE-EXTRAORDINARY>                   2,899,635
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,884,935
<EPS-BASIC>                                        .90
<EPS-DILUTED>                                      .90
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                  1,110,000
<LOANS-PAST>                                   280,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             3,591,613
<CHARGE-OFFS>                                  178,715
<RECOVERIES>                                    55,432
<ALLOWANCE-CLOSE>                            3,966,330
<ALLOWANCE-DOMESTIC>                         3,966,330
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0