<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> DEC-31-2000
<CASH> 24,318,046
<INT-BEARING-DEPOSITS> 14,465
<FED-FUNDS-SOLD> 52,875,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 62,114,577
<INVESTMENTS-CARRYING> 567,973
<INVESTMENTS-MARKET> 565,560
<LOANS> 534,513,314
<ALLOWANCE> 6,896,207
<TOTAL-ASSETS> 690,692,189
<DEPOSITS> 616,025,130
<SHORT-TERM> 0
<LIABILITIES-OTHER> 2,560,296
<LONG-TERM> 20,978,867
0
0
<COMMON> 90,300
<OTHER-SE> 51,037,596
<TOTAL-LIABILITIES-AND-EQUITY> 690,692,189
<INTEREST-LOAN> 35,913,151
<INTEREST-INVEST> 2,575,057
<INTEREST-OTHER> 2,209,628
<INTEREST-TOTAL> 40,697,836
<INTEREST-DEPOSIT> 18,713,909
<INTEREST-EXPENSE> 19,909,672
<INTEREST-INCOME-NET> 20,788,164
<LOAN-LOSSES> 763,356
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 16,486,872
<INCOME-PRETAX> 6,004,352
<INCOME-PRE-EXTRAORDINARY> 6,004,352
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 3,706,188
<EPS-BASIC> 0.41
<EPS-DILUTED> 0.38
<YIELD-ACTUAL> 8.89
<LOANS-NON> 1,984,000
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 8,021,525
<ALLOWANCE-OPEN> 6,758,000
<CHARGE-OFFS> 680,000
<RECOVERIES> 55,000
<ALLOWANCE-CLOSE> 6,896,000
<ALLOWANCE-DOMESTIC> 6,547,000
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 348,564
</TABLE>