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<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 3-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JUL-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 42,662,943
<INT-BEARING-DEPOSITS> 23,262,788
<FED-FUNDS-SOLD> 20,000,000
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<ALLOWANCE> (11,972,775)
<TOTAL-ASSETS> 1,334,908,855
<DEPOSITS> 983,475,641
<SHORT-TERM> 97,018,639
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<LONG-TERM> 147,713,365
0
0
<COMMON> 22,652,660
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</TABLE>
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