<TABLE> <S> <C>


<ARTICLE>                                            9
<LEGEND>
THIS  SCHEDULE  CONTAINS  SUMMARY  FINANCIAL   INFORMATION  EXTRACTED  FROM  THE
QUARTERLY REPORT ON FORM 10-Q FOR THE COMPANY FOR THE PERIOD ENDED JUNE 30, 2000
AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO THE  FINANCIAL  STATEMENTS  AND
OTHER INFORMATION CONTAINED IN THAT REPORT.
</LEGEND>
<MULTIPLIER>                                   1

<S>                             <C>
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-END>                                   JUN-30-2000
<CASH>                                           4,530,453
<INT-BEARING-DEPOSITS>                                   0
<FED-FUNDS-SOLD>                                 3,909,324
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                     17,645,847
<INVESTMENTS-CARRYING>                          11,316,605
<INVESTMENTS-MARKET>                            11,302,813
<LOANS>                                        133,560,468
<ALLOWANCE>                                      1,837,773
<TOTAL-ASSETS>                                 174,549,809
<DEPOSITS>                                     155,062,014
<SHORT-TERM>                                             0
<LIABILITIES-OTHER>                                860,930
<LONG-TERM>                                              0
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                         2,148,710
<OTHER-SE>                                      16,478,155
<TOTAL-LIABILITIES-AND-EQUITY>                 174,549,809
<INTEREST-LOAN>                                  5,345,927
<INTEREST-INVEST>                                  833,189
<INTEREST-OTHER>                                   229,458
<INTEREST-TOTAL>                                 6,408,574
<INTEREST-DEPOSIT>                               3,206,152
<INTEREST-EXPENSE>                               3,206,152
<INTEREST-INCOME-NET>                            3,202,422
<LOAN-LOSSES>                                      120,000
<SECURITIES-GAINS>                                   4,738
<EXPENSE-OTHER>                                  1,801,077
<INCOME-PRETAX>                                  1,408,532
<INCOME-PRE-EXTRAORDINARY>                       1,101,532
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                     1,101,532
<EPS-BASIC>                                           0.64
<EPS-DILUTED>                                         0.64
<YIELD-ACTUAL>                                        3.86
<LOANS-NON>                                        431,869
<LOANS-PAST>                                       626,035
<LOANS-TROUBLED>                                   375,301
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                 1,731,096
<CHARGE-OFFS>                                       48,954
<RECOVERIES>                                        35,631
<ALLOWANCE-CLOSE>                                1,837,773
<ALLOWANCE-DOMESTIC>                             1,837,773
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0



</TABLE>