<ARTICLE> 9

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               JUN-30-2000
<CASH>                                       7,436,432
<INT-BEARING-DEPOSITS>                       1,987,244
<FED-FUNDS-SOLD>                             6,560,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 19,687,023
<INVESTMENTS-CARRYING>                      48,773,997
<INVESTMENTS-MARKET>                        48,013,726
<LOANS>                                    107,169,842
<ALLOWANCE>                                  1,362,428
<TOTAL-ASSETS>                             197,864,334
<DEPOSITS>                                 158,552,875
<SHORT-TERM>                                 6,440,860
<LIABILITIES-OTHER>                          1,506,507
<LONG-TERM>                                  4,035,766
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                    11,447,640
<OTHER-SE>                                  15,880,686
<TOTAL-LIABILITIES-AND-EQUITY>             197,864,334
<INTEREST-LOAN>                              4,436,796
<INTEREST-INVEST>                            2,287,753
<INTEREST-OTHER>                               134,898
<INTEREST-TOTAL>                             6,859,447
<INTEREST-DEPOSIT>                           2,235,832
<INTEREST-EXPENSE>                           2,497,356
<INTEREST-INCOME-NET>                        4,362,091
<LOAN-LOSSES>                                   62,500
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              3,228,775
<INCOME-PRETAX>                              1,479,965
<INCOME-PRE-EXTRAORDINARY>                   1,172,353
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,172,353
<EPS-BASIC>                                        .52
<EPS-DILUTED>                                      .52
<YIELD-ACTUAL>                                    5.25
<LOANS-NON>                                    981,722
<LOANS-PAST>                                    24,977
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                              1,633,038
<ALLOWANCE-OPEN>                             1,308,630
<CHARGE-OFFS>                                   28,309
<RECOVERIES>                                    19,607
<ALLOWANCE-CLOSE>                            1,362,428
<ALLOWANCE-DOMESTIC>                         1,017,942
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        344,486