<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> DEC-31-2000 <CASH> 23,509,408 <INT-BEARING-DEPOSITS> 23,390 <FED-FUNDS-SOLD> 39,950,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 58,050,880 <INVESTMENTS-CARRYING> 525,109 <INVESTMENTS-MARKET> 521,308 <LOANS> 518,614,637 <ALLOWANCE> 7,244,879 <TOTAL-ASSETS> 660,063,978 <DEPOSITS> 587,918,811 <SHORT-TERM> 0 <LIABILITIES-OTHER> 1,828,153 <LONG-TERM> 21,016,677 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 89,681 <OTHER-SE> 49,210,656 <TOTAL-LIABILITIES-AND-EQUITY> 660,063,978 <INTEREST-LOAN> 23,153,173 <INTEREST-INVEST> 1,626,714 <INTEREST-OTHER> 1,371,162 <INTEREST-TOTAL> 26,151,049 <INTEREST-DEPOSIT> 11,857,575 <INTEREST-EXPENSE> 12,664,634 <INTEREST-INCOME-NET> 13,486,415 <LOAN-LOSSES> 548,442 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 10,632,840 <INCOME-PRETAX> 3,719,523 <INCOME-PRE-EXTRAORDINARY> 3,719,523 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,283,759 <EPS-BASIC> 0.14 <EPS-DILUTED> 0.13 <YIELD-ACTUAL> 8.95 <LOANS-NON> 2,008,000 <LOANS-PAST> 93,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 3,972,000 <ALLOWANCE-OPEN> 6,758,000 <CHARGE-OFFS> 74,000 <RECOVERIES> 13,000 <ALLOWANCE-CLOSE> 7,244,879 <ALLOWANCE-DOMESTIC> 7,071,879 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 173,000