<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-1999 <PERIOD-END> JUN-30-2000 <CASH> 461,436 <INT-BEARING-DEPOSITS> 5,275,932 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 56,340,932 <INVESTMENTS-CARRYING> 1,222,784 <INVESTMENTS-MARKET> 1,222,784 <LOANS> 161,275,841 <ALLOWANCE> 1,834,573 <TOTAL-ASSETS> 235,446,585 <DEPOSITS> 158,741,604 <SHORT-TERM> 36,162,697 <LIABILITIES-OTHER> 2,382,167 <LONG-TERM> 16,400,000 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 7,880 <OTHER-SE> 21,760,117 <TOTAL-LIABILITIES-AND-EQUITY> 235,446,585 <INTEREST-LOAN> 6,691,722 <INTEREST-INVEST> 2,081,082 <INTEREST-OTHER> 49,919 <INTEREST-TOTAL> 8,822,723 <INTEREST-DEPOSIT> 2,922,908 <INTEREST-EXPENSE> 1,414,577 <INTEREST-INCOME-NET> 4,485,238 <LOAN-LOSSES> 180,000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 3,197,455 <INCOME-PRETAX> 1,709,177 <INCOME-PRE-EXTRAORDINARY> 1,709,177 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,133,177 <EPS-BASIC> 1.44 <EPS-DILUTED> 1.38 <YIELD-ACTUAL> 3.96 <LOANS-NON> 434,090 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 1,635,290 <CHARGE-OFFS> 3,800 <RECOVERIES> 5,082 <ALLOWANCE-CLOSE> 1,834,572 <ALLOWANCE-DOMESTIC> 1,834,572 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0