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<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information from SEC Form 10-Q and is
qualified in its entirety by reference to such financial information.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 20,951,543
<INT-BEARING-DEPOSITS> 89,087
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 45,854,099
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 373,222,569
<ALLOWANCE> 5,481,473
<TOTAL-ASSETS> 451,312,937
<DEPOSITS> 366,617,267
<SHORT-TERM> 6,000,000
<LIABILITIES-OTHER> 1,704,960
<LONG-TERM> 40,000,000
0
0
<COMMON> 36,882,916
<OTHER-SE> 107,794
<TOTAL-LIABILITIES-AND-EQUITY> 451,312,937
<INTEREST-LOAN> 22,728,502
<INTEREST-INVEST> 1,771,095
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 24,499,597
<INTEREST-DEPOSIT> 10,818,454
<INTEREST-EXPENSE> 12,564,956
<INTEREST-INCOME-NET> 11,934,641
<LOAN-LOSSES> 1,516,000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 9,400,644
<INCOME-PRETAX> 2,469,220
<INCOME-PRE-EXTRAORDINARY> 2,469,220
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,297,053
<EPS-BASIC> .64
<EPS-DILUTED> .64
<YIELD-ACTUAL> 3.80
<LOANS-NON> 89,000
<LOANS-PAST> 1,907
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 3,995,165
<CHARGE-OFFS> 41,292
<RECOVERIES> 11,600
<ALLOWANCE-CLOSE> 5,481,473
<ALLOWANCE-DOMESTIC> 5,481,473
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
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