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<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 3,721,789
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 19,257,022
<INVESTMENTS-CARRYING> 5,066,444
<INVESTMENTS-MARKET> 5,001,243
<LOANS> 66,516,866
<ALLOWANCE> 1,184,399
<TOTAL-ASSETS> 97,173,587
<DEPOSITS> 85,357,388
<SHORT-TERM> 1,550,000
<LIABILITIES-OTHER> 787,518
<LONG-TERM> 0
0
0
<COMMON> 1,500,000
<OTHER-SE> 7,978,681
<TOTAL-LIABILITIES-AND-EQUITY> 9,478,681
<INTEREST-LOAN> 4,446,884
<INTEREST-INVEST> 1,067,325
<INTEREST-OTHER> 99,036
<INTEREST-TOTAL> 5,613,245
<INTEREST-DEPOSIT> 2,557,191
<INTEREST-EXPENSE> 2,592,725
<INTEREST-INCOME-NET> 3,020,520
<LOAN-LOSSES> 230,0000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1,474,260
<INCOME-PRETAX> 1,698,756
<INCOME-PRE-EXTRAORDINARY> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,152,073
<EPS-BASIC> 4.06
<EPS-DILUTED> 4.06
<YIELD-ACTUAL> 4.49
<LOANS-NON> 1,358,434
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 2,048,076
<ALLOWANCE-OPEN> 1,086,980
<CHARGE-OFFS> 140,824
<RECOVERIES> 8,243
<ALLOWANCE-CLOSE> 1,184,399
<ALLOWANCE-DOMESTIC> 1,184,399
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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