<ARTICLE> 9 <MULTIPLIER> 1 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JAN-01-2000 <PERIOD-END> JUN-30-2000 <CASH> 24,162,161 <INT-BEARING-DEPOSITS> 100,000 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 227,372,262 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 812,458,855 <ALLOWANCE> 11,588,649 <TOTAL-ASSETS> 1,078,266,409 <DEPOSITS> 840,935,077 <SHORT-TERM> 134,101,643 <LIABILITIES-OTHER> 13,088,321 <LONG-TERM> 0 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 1,177,619 <OTHER-SE> 88,963,749 <TOTAL-LIABILITIES-AND-EQUITY> 1,078,266,409 <INTEREST-LOAN> 31,924,546 <INTEREST-INVEST> 7,168,457 <INTEREST-OTHER> 40,443 <INTEREST-TOTAL> 39,133,446 <INTEREST-DEPOSIT> 19,577,651 <INTEREST-EXPENSE> 22,581,332 <INTEREST-INCOME-NET> 16,552,114 <LOAN-LOSSES> 1,120,000 <SECURITIES-GAINS> 1,615 <EXPENSE-OTHER> 8,057,390 <INCOME-PRETAX> 8,479,918 <INCOME-PRE-EXTRAORDINARY> 8,479,918 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,635,918 <EPS-BASIC> .80 <EPS-DILUTED> .77 <YIELD-ACTUAL> 3.43 <LOANS-NON> 0 <LOANS-PAST> 12,000 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 10,448,496 <CHARGE-OFFS> 188 <RECOVERIES> 20,341 <ALLOWANCE-CLOSE> 11,588,649 <ALLOWANCE-DOMESTIC> 10,538,426 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,050,223