|
|
|
|
|
|
|
|
|
|
|
|
|
<TABLE> <S> <C>
<PAGE>
<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> 2,001,631
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 280,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 0
<INVESTMENTS-CARRYING> 13,422,204
<INVESTMENTS-MARKET> 13,422,204
<LOANS> 42,435,875
<ALLOWANCE> 495,308
<TOTAL-ASSETS> 62,534,274
<DEPOSITS> 52,962,230
<SHORT-TERM> 2,000,000
<LIABILITIES-OTHER> 303,127
<LONG-TERM> 0
0
0
<COMMON> 697,263
<OTHER-SE> 6,571,654
<TOTAL-LIABILITIES-AND-EQUITY> 62,534,274
<INTEREST-LOAN> 2,769,255
<INTEREST-INVEST> 575,739
<INTEREST-OTHER> 64,495
<INTEREST-TOTAL> 3,409,489
<INTEREST-DEPOSIT> 1,519,588
<INTEREST-EXPENSE> 1,569,556
<INTEREST-INCOME-NET> 1,839,933
<LOAN-LOSSES> 58,500
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1,605,211
<INCOME-PRETAX> 505,575
<INCOME-PRE-EXTRAORDINARY> 356,617
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 356,617
<EPS-BASIC> .53
<EPS-DILUTED> .53
<YIELD-ACTUAL> 4.36
<LOANS-NON> 19,425
<LOANS-PAST> 17,588
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 17,588
<ALLOWANCE-OPEN> 450,349
<CHARGE-OFFS> 48,550
<RECOVERIES> 35,009
<ALLOWANCE-CLOSE> 495,308
<ALLOWANCE-DOMESTIC> 495,308
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
|
|