<TABLE> <S> <C>

<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY INFORMATION EXTRACTED FROM THE UNAUDITED
FINANCIAL STATEMENTS DATED JUNE 30, 2000 AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

<S>                             <C>                     <C>
<PERIOD-TYPE>                   6-MOS                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000             DEC-31-2000
<PERIOD-START>                             JAN-01-2000             MAR-31-2000
<PERIOD-END>                               JUN-30-2000             JUN-30-2000
<CASH>                                       1,071,611               1,071,611
<INT-BEARING-DEPOSITS>                       2,000,000               2,000,000
<FED-FUNDS-SOLD>                             6,791,000               6,791,000
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     50,760                  50,760
<INVESTMENTS-CARRYING>                         993,654                 993,654
<INVESTMENTS-MARKET>                                 0                       0
<LOANS>                                     21,649,064              21,649,064
<ALLOWANCE>                                   (146,041)               (146,041)
<TOTAL-ASSETS>                              35,185,303              35,185,303
<DEPOSITS>                                  25,428,102              24,428,102
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                             23,944                  23,944
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        11,654                  11,654
<OTHER-SE>                                   9,721,603               9,721,603
<TOTAL-LIABILITIES-AND-EQUITY>              35,185,303              35,185,303
<INTEREST-LOAN>                                589,136                 405,657
<INTEREST-INVEST>                              110,040                  55,189
<INTEREST-OTHER>                               411,923                 176,252
<INTEREST-TOTAL>                             1,111,099                 637,096
<INTEREST-DEPOSIT>                             527,450                 278,446
<INTEREST-EXPENSE>                             527,450                 278,446
<INTEREST-INCOME-NET>                          583,649                 358,652
<LOAN-LOSSES>                                  119,971                  86,220
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                              1,083,044                 576,139
<INCOME-PRETAX>                               (604,310)               (294,870)
<INCOME-PRE-EXTRAORDINARY>                    (604,310)               (294,870)
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                  (604,310)               (294,870)
<EPS-BASIC>                                      (0.52)                  (0.25)
<EPS-DILUTED>                                    (0.52)                  (0.25)
<YIELD-ACTUAL>                                       0                       0
<LOANS-NON>                                          0                       0
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                26,885                  60,636
<CHARGE-OFFS>                                        0                       0
<RECOVERIES>                                         0                       0
<ALLOWANCE-CLOSE>                              146,041                 146,041
<ALLOWANCE-DOMESTIC>                                 0                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0


</TABLE>