<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> JUN-30-2000 <CASH> 9,020,947 <INT-BEARING-DEPOSITS> 73,373 <FED-FUNDS-SOLD> 2,200,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 38,238,301 <INVESTMENTS-CARRYING> 11,817,215 <INVESTMENTS-MARKET> 11,768,068 <LOANS> 374,985,972 <ALLOWANCE> 5,527,485 <TOTAL-ASSETS> 440,316,965 <DEPOSITS> 361,612,843 <SHORT-TERM> 29,077,848 <LIABILITIES-OTHER> 4,353,169 <LONG-TERM> 16,033,991 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 28,181,798 <OTHER-SE> 1,057,316 <TOTAL-LIABILITIES-AND-EQUITY> 29,239,114 <INTEREST-LOAN> 14,994,797 <INTEREST-INVEST> 1,442,533 <INTEREST-OTHER> 275,119 <INTEREST-TOTAL> 16,712,449 <INTEREST-DEPOSIT> 9,553,238 <INTEREST-EXPENSE> 10,911,035 <INTEREST-INCOME-NET> 5,801,414 <LOAN-LOSSES> 945,000 <SECURITIES-GAINS> (275,321) <EXPENSE-OTHER> 3,680,841 <INCOME-PRETAX> 1,664,764 <INCOME-PRE-EXTRAORDINARY> 1,136,764 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 1,136,764 <EPS-BASIC> 0.46 <EPS-DILUTED> 0.46 <YIELD-ACTUAL> 2.95 <LOANS-NON> 120,443 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,620,469 <CHARGE-OFFS> 46,384 <RECOVERIES> 8,400 <ALLOWANCE-CLOSE> 5,527,485 <ALLOWANCE-DOMESTIC> 5,527,485 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0