<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> JUN-30-2000 <CASH> 1,356,225 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 9,011 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 3,512,427 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 32,449,352 <ALLOWANCE> (589,850) <TOTAL-ASSETS> 42,275,969 <DEPOSITS> 35,680,045 <SHORT-TERM> 3,097,171 <LIABILITIES-OTHER> 558,462 <LONG-TERM> 1,559,116 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 21,430 <OTHER-SE> 1,359,745 <TOTAL-LIABILITIES-AND-EQUITY> 42,275,969 <INTEREST-LOAN> 1,484,173 <INTEREST-INVEST> 105,847 <INTEREST-OTHER> 865 <INTEREST-TOTAL> 1,590,885 <INTEREST-DEPOSIT> 760,753 <INTEREST-EXPENSE> 942,728 <INTEREST-INCOME-NET> 648,157 <LOAN-LOSSES> 66,000 <SECURITIES-GAINS> 3,501 <EXPENSE-OTHER> 2,174,220 <INCOME-PRETAX> (541,324) <INCOME-PRE-EXTRAORDINARY> (546,370) <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> (546,370) <EPS-BASIC> (0.27) <EPS-DILUTED> (0.27) <YIELD-ACTUAL> 3.66 <LOANS-NON> 159,875 <LOANS-PAST> 271,770 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 431,645 <ALLOWANCE-OPEN> 532,585 <CHARGE-OFFS> 56,536 <RECOVERIES> 47,801 <ALLOWANCE-CLOSE> 589,850 <ALLOWANCE-DOMESTIC> 461,857 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 127,993