|
|
|
|
|
|
|
|
|
|
|
|
|
<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 3,571,065
<INT-BEARING-DEPOSITS> 357,715
<FED-FUNDS-SOLD> 388,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 18,508,890
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 96,151,453
<ALLOWANCE> 1,068,133
<TOTAL-ASSETS> 123,575,338
<DEPOSITS> 106,573,272
<SHORT-TERM> 4,432,133
<LIABILITIES-OTHER> 887,033
<LONG-TERM> 9,443
0
0
<COMMON> 567,512
<OTHER-SE> 11,105,945
<TOTAL-LIABILITIES-AND-EQUITY> 123,575,338
<INTEREST-LOAN> 5,868,841
<INTEREST-INVEST> 771,713
<INTEREST-OTHER> 96,072
<INTEREST-TOTAL> 6,736,626
<INTEREST-DEPOSIT> 3,566,539
<INTEREST-EXPENSE> 3,710,380
<INTEREST-INCOME-NET> 3,026,246
<LOAN-LOSSES> 117,000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 2,732,084
<INCOME-PRETAX> 1,109,628
<INCOME-PRE-EXTRAORDINARY> 1,109,628
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 839,243
<EPS-BASIC> 1.55
<EPS-DILUTED> 1.55
<YIELD-ACTUAL> 3.67
<LOANS-NON> 364,000
<LOANS-PAST> 1,002,891
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 895,952
<CHARGE-OFFS> 24,367
<RECOVERIES> 79,548
<ALLOWANCE-CLOSE> 1,068,133
<ALLOWANCE-DOMESTIC> 993,908
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 74,225
</TABLE>
|
|