<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> JUN-30-2000 <CASH> 18,195,834 <INT-BEARING-DEPOSITS> 14,957,265 <FED-FUNDS-SOLD> 43,603,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 17,583,596 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 320,443,873 <ALLOWANCE> 3,672,000 <TOTAL-ASSETS> 424,810,596 <DEPOSITS> 346,164,293 <SHORT-TERM> 0 <LIABILITIES-OTHER> 3,203,242 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 54,960,086 <OTHER-SE> (1,511,212) <TOTAL-LIABILITIES-AND-EQUITY> 424,810,596 <INTEREST-LOAN> 14,446,169 <INTEREST-INVEST> 715,073 <INTEREST-OTHER> 1,398,627 <INTEREST-TOTAL> 16,559,869 <INTEREST-DEPOSIT> 5,474,334 <INTEREST-EXPENSE> 5,475,273 <INTEREST-INCOME-NET> 11,084,596 <LOAN-LOSSES> 1,702,265 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 9,574,348 <INCOME-PRETAX> 265,410 <INCOME-PRE-EXTRAORDINARY> 265,410 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 265,410 <EPS-BASIC> .05 <EPS-DILUTED> .05 <YIELD-ACTUAL> 0 <LOANS-NON> 1,465,000 <LOANS-PAST> 0 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 2,371,000 <CHARGE-OFFS> 417,000 <RECOVERIES> 16,000 <ALLOWANCE-CLOSE> 3,672,000 <ALLOWANCE-DOMESTIC> 3,672,000 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 2,038,000