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<TABLE> <S> <C>
<ARTICLE> 9
<MULTIPLIER> 1
<CURRENCY> U.S. DOLLARS
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<EXCHANGE-RATE> 1
<CASH> 3,686,432
<INT-BEARING-DEPOSITS> 1,835,924
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 0
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 62,466,887
<LOANS> 151,820,117
<ALLOWANCE> 1,243,476
<TOTAL-ASSETS> 232,324,332
<DEPOSITS> 190,121,965
<SHORT-TERM> 20,750,000
<LIABILITIES-OTHER> 2,603,553
<LONG-TERM> 0
0
0
<COMMON> 17,921
<OTHER-SE> 18,830,893
<TOTAL-LIABILITIES-AND-EQUITY> 232,324,332
<INTEREST-LOAN> 10,283,048
<INTEREST-INVEST> 2,865,821
<INTEREST-OTHER> 136,793
<INTEREST-TOTAL> 13,285,662
<INTEREST-DEPOSIT> 6,834,768
<INTEREST-EXPENSE> 7,840,977
<INTEREST-INCOME-NET> 5,444,685
<LOAN-LOSSES> 410,000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 3,827,809
<INCOME-PRETAX> 2,190,415
<INCOME-PRE-EXTRAORDINARY> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,364,414
<EPS-BASIC> 0.76
<EPS-DILUTED> 0.76
<YIELD-ACTUAL> 8.24
<LOANS-NON> 911,061
<LOANS-PAST> 1,553,227
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,222,978
<CHARGE-OFFS> 430,730
<RECOVERIES> 41,228
<ALLOWANCE-CLOSE> 1,243,476
<ALLOWANCE-DOMESTIC> 0
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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