<ARTICLE> 9

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                       7,844,011
<INT-BEARING-DEPOSITS>                       1,937,351
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 59,131,989
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    182,998,058
<ALLOWANCE>                                  2,426,453
<TOTAL-ASSETS>                             266,988,793
<DEPOSITS>                                 183,403,615
<SHORT-TERM>                                 4,580,800
<LIABILITIES-OTHER>                          2,627,959
<LONG-TERM>                                 57,000,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        27,622
<OTHER-SE>                                  19,333,653
<TOTAL-LIABILITIES-AND-EQUITY>             266,988,793
<INTEREST-LOAN>                              7,994,276
<INTEREST-INVEST>                            1,496,661
<INTEREST-OTHER>                               481,223
<INTEREST-TOTAL>                             9,972,160
<INTEREST-DEPOSIT>                           4,068,807
<INTEREST-EXPENSE>                           1,972,404
<INTEREST-INCOME-NET>                        3,930,949
<LOAN-LOSSES>                                  429,000
<SECURITIES-GAINS>                              (4,871)
<EXPENSE-OTHER>                              2,529,979
<INCOME-PRETAX>                              1,725,748
<INCOME-PRE-EXTRAORDINARY>                   1,725,748
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,177,497
<EPS-BASIC>                                        .43
<EPS-DILUTED>                                      .42
<YIELD-ACTUAL>                                    3.03
<LOANS-NON>                                    102,063
<LOANS-PAST>                                    92,337
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             1,997,453
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                            2,426,453
<ALLOWANCE-DOMESTIC>                         2,426,453
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0