<TABLE> <S> <C>

<ARTICLE> 9

<S>                             <C>                     <C>
<PERIOD-TYPE>                   6-MOS                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-2000             DEC-31-1999
<PERIOD-START>                             JAN-01-2000             JAN-01-1999
<PERIOD-END>                               JUN-30-2000             JUN-30-1999
<CASH>                                         1181843                 1679150
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                     0                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                   16156039                17684446
<INVESTMENTS-CARRYING>                        16156039                17684446
<INVESTMENTS-MARKET>                          16156039                17684446
<LOANS>                                       24512901                22529852
<ALLOWANCE>                                    (12000)                 (12000)
<TOTAL-ASSETS>                                42227263                42338997
<DEPOSITS>                                           0                       0
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                             339513                  471502
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                   20700000                20700000
<COMMON>                                       6623100                 6623100
<OTHER-SE>                                    14319178                14544395
<TOTAL-LIABILITIES-AND-EQUITY>                42227263                42338997
<INTEREST-LOAN>                                 997369                  963359
<INTEREST-INVEST>                               540511                  352540
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                               1537880                 1315899
<INTEREST-DEPOSIT>                                   0                       0
<INTEREST-EXPENSE>                                   0                       0
<INTEREST-INCOME-NET>                          1537880                 1315899
<LOAN-LOSSES>                                        0                       0
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                 139748                  135537
<INCOME-PRETAX>                                1398132                 1180362
<INCOME-PRE-EXTRAORDINARY>                     1398132                 1180362
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                   1398132                 1180362
<EPS-BASIC>                                      22.54                   12.68
<EPS-DILUTED>                                    22.54                   12.68
<YIELD-ACTUAL>                                    8.13                    7.70
<LOANS-NON>                                          0                       0
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                     0                       0
<CHARGE-OFFS>                                        0                       0
<RECOVERIES>                                         0                       0
<ALLOWANCE-CLOSE>                                    0                       0
<ALLOWANCE-DOMESTIC>                                 0                       0
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                              0                       0


</TABLE>