<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> JUN-30-2000 <CASH> 2,471,759 <INT-BEARING-DEPOSITS> 8,953,337 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 44,902,932 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 307,350,210 <ALLOWANCE> 2,799,063 <TOTAL-ASSETS> 382,815,677 <DEPOSITS> 265,841,506 <SHORT-TERM> 51,000,000 <LIABILITIES-OTHER> 2,628,850 <LONG-TERM> 27,652,488 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 40,111 <OTHER-SE> 35,652,722 <TOTAL-LIABILITIES-AND-EQUITY> 382,815,677 <INTEREST-LOAN> 11,709,072 <INTEREST-INVEST> 1,552,379 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 13,261,451 <INTEREST-DEPOSIT> 5,949,889 <INTEREST-EXPENSE> 7,816,418 <INTEREST-INCOME-NET> 5,445,033 <LOAN-LOSSES> 60,000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 4,222,628 <INCOME-PRETAX> 3,069,464 <INCOME-PRE-EXTRAORDINARY> 3,069,464 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 2,011,867 <EPS-BASIC> 0.99 <EPS-DILUTED> 0.98 <YIELD-ACTUAL> 7.54 <LOANS-NON> 836,632 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,776,539 <CHARGE-OFFS> 39,032 <RECOVERIES> 1,556 <ALLOWANCE-CLOSE> 2,799,063 <ALLOWANCE-DOMESTIC> 2,799,063 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0