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<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 8,536,263
<INT-BEARING-DEPOSITS> 180,849
<FED-FUNDS-SOLD> 8,100,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 22,672,852
<INVESTMENTS-CARRYING> 878,500
<INVESTMENTS-MARKET> 878,500
<LOANS> 121,584,361
<ALLOWANCE> 1,756,000
<TOTAL-ASSETS> 163,464,787
<DEPOSITS> 122,353,916
<SHORT-TERM> 7,636,484
<LIABILITIES-OTHER> 436,283
<LONG-TERM> 15,070,000
0
0
<COMMON> 16,751
<OTHER-SE> 17,951,353
<TOTAL-LIABILITIES-AND-EQUITY> 163,464,787
<INTEREST-LOAN> 6,538,079
<INTEREST-INVEST> 1,236,196
<INTEREST-OTHER> 156,423
<INTEREST-TOTAL> 7,930,698
<INTEREST-DEPOSIT> 3,696,077
<INTEREST-EXPENSE> 4,456,057
<INTEREST-INCOME-NET> 3,474,641
<LOAN-LOSSES> 486,000
<SECURITIES-GAINS> (19,916)
<EXPENSE-OTHER> 2,363,074
<INCOME-PRETAX> 751,311
<INCOME-PRE-EXTRAORDINARY> 738,863
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 738,863
<EPS-BASIC> .44
<EPS-DILUTED> .44
<YIELD-ACTUAL> 3.50
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,270,000
<CHARGE-OFFS> 0
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 1,756,000
<ALLOWANCE-DOMESTIC> 1,508,848
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 247,152
</TABLE>
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