<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> JUN-30-2000 <CASH> 33,690,622 <INT-BEARING-DEPOSITS> 0 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 41,263,586 <INVESTMENTS-CARRYING> 105,292,874 <INVESTMENTS-MARKET> 103,563,000 <LOANS> 370,175,118 <ALLOWANCE> 4,153,855 <TOTAL-ASSETS> 575,364,407 <DEPOSITS> 387,329,067 <SHORT-TERM> 0 <LIABILITIES-OTHER> 4,560,120 <LONG-TERM> 350,405 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 5,862,674 <OTHER-SE> 72,982,716 <TOTAL-LIABILITIES-AND-EQUITY> 575,364,407 <INTEREST-LOAN> 15,829,273 <INTEREST-INVEST> 4,518,005 <INTEREST-OTHER> 36,191 <INTEREST-TOTAL> 20,383,469 <INTEREST-DEPOSIT> 6,644,694 <INTEREST-EXPENSE> 8,496,505 <INTEREST-INCOME-NET> 11,886,964 <LOAN-LOSSES> 105,000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,648,152 <INCOME-PRETAX> 5,463,027 <INCOME-PRE-EXTRAORDINARY> 5,463,027 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,695,527 <EPS-BASIC> 0.63 <EPS-DILUTED> 0.63 <YIELD-ACTUAL> 5.14 <LOANS-NON> 44,000 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 4,338,149 <CHARGE-OFFS> 355,187 <RECOVERIES> 65,893 <ALLOWANCE-CLOSE> 4,153,855 <ALLOWANCE-DOMESTIC> 4,153,855 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 150,000