<ARTICLE> 9 <PERIOD-TYPE> 6-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> JUN-30-2000 <CASH> 19,982,874 <INT-BEARING-DEPOSITS> 110,000 <FED-FUNDS-SOLD> 0 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 85,908,841 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 538,190,968 <ALLOWANCE> 6,732,002 <TOTAL-ASSETS> 666,678,336 <DEPOSITS> 540,863,353 <SHORT-TERM> 42,289,000 <LIABILITIES-OTHER> 6,436,805 <LONG-TERM> 30,951,723 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 11,439,255 <OTHER-SE> 34,698,200 <TOTAL-LIABILITIES-AND-EQUITY> 666,678,336 <INTEREST-LOAN> 23,562,677 <INTEREST-INVEST> 2,635,435 <INTEREST-OTHER> 117,752 <INTEREST-TOTAL> 26,315,864 <INTEREST-DEPOSIT> 11,293,658 <INTEREST-EXPENSE> 13,413,608 <INTEREST-INCOME-NET> 12,902,256 <LOAN-LOSSES> 900,000 <SECURITIES-GAINS> (78,020) <EXPENSE-OTHER> 13,007,353 <INCOME-PRETAX> 4,720,595 <INCOME-PRE-EXTRAORDINARY> 3,169,163 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 3,169,163 <EPS-BASIC> 0.77 <EPS-DILUTED> 0.77 <YIELD-ACTUAL> 4.28 <LOANS-NON> 1,339,767 <LOANS-PAST> 3,674,777 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 3,842,219 <ALLOWANCE-OPEN> 6,193,712 <CHARGE-OFFS> 566,979 <RECOVERIES> 205,269 <ALLOWANCE-CLOSE> 6,732,002 <ALLOWANCE-DOMESTIC> 4,853,242 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 1,878,760