<TABLE> <S> <C>
<ARTICLE> 9
<S> <C> <C>
<PERIOD-TYPE> 3-MOS 9-MOS
<FISCAL-YEAR-END> DEC-31-2000 DEC-31-2000
<PERIOD-START> JUL-01-2000 JAN-01-2000
<PERIOD-END> SEP-30-2000 SEP-30-2000
<CASH> 16,412,991 16,412,991
<INT-BEARING-DEPOSITS> 0 0
<FED-FUNDS-SOLD> 17,860,000 17,860,000
<TRADING-ASSETS> 0 0
<INVESTMENTS-HELD-FOR-SALE> 43,760,099 43,760,099
<INVESTMENTS-CARRYING> 2,666,210 2,266,210
<INVESTMENTS-MARKET> 2,668,605 2,668,605
<LOANS> 134,252,779 134,252,779
<ALLOWANCE> 5,300,000 5,300,000
<TOTAL-ASSETS> 322,046,169 322,046,169
<DEPOSITS> 256,875,870 256,875,870
<SHORT-TERM> 0 0
<LIABILITIES-OTHER> 5,265,841 5,265,841
<LONG-TERM> 0 0
0 0
0 0
<COMMON> 826,702 826,702
<OTHER-SE> 59,077,756 59,077,756
<TOTAL-LIABILITIES-AND-EQUITY> 322,046,169 322,046,169
<INTEREST-LOAN> 4,452,054 13,478,080
<INTEREST-INVEST> 1,185,308 2,770,326
<INTEREST-OTHER> 694,223 1,706,030
<INTEREST-TOTAL> 6,331,585 17,954,436
<INTEREST-DEPOSIT> 4,215,020 11,420,996
<INTEREST-EXPENSE> 4,213,983 11,733,165
<INTEREST-INCOME-NET> 2,117,602 6,221,271
<LOAN-LOSSES> 1,160,282 2,591,803
<SECURITIES-GAINS> 0 0
<EXPENSE-OTHER> 5,923,887 17,357,247
<INCOME-PRETAX> 2,213,877 8,734,429
<INCOME-PRE-EXTRAORDINARY> 2,213,877 8,734,429
<EXTRAORDINARY> 0 0
<CHANGES> 0 0
<NET-INCOME> 1,409,839 5,709,071
<EPS-BASIC> 0.17 0.69
<EPS-DILUTED> 0.17 0.68
<YIELD-ACTUAL> 3.20 3.21
<LOANS-NON> 4,465,321 4,465,321
<LOANS-PAST> 0 0
<LOANS-TROUBLED> 0 0
<LOANS-PROBLEM> 0 0
<ALLOWANCE-OPEN> 4,650,000 4,550,000
<CHARGE-OFFS> 575,571 2,006,108
<RECOVERIES> 65,289 164,305
<ALLOWANCE-CLOSE> 5,300,000 5,300,000
<ALLOWANCE-DOMESTIC> 4,069,054 4,069,054
<ALLOWANCE-FOREIGN> 783,411 783,411
<ALLOWANCE-UNALLOCATED> 447,535 447,535
</TABLE>