<TABLE> <S> <C>

<ARTICLE>                                            9

<S>                             <C>
<PERIOD-TYPE>                   9-mos
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-END>                                   SEP-30-2000
<CASH>                                          1,358,625
<INT-BEARING-DEPOSITS>                                  0
<FED-FUNDS-SOLD>                                1,631,000
<TRADING-ASSETS>                                        0
<INVESTMENTS-HELD-FOR-SALE>                     3,260,620
<INVESTMENTS-CARRYING>                            152,300
<INVESTMENTS-MARKET>                              152,300
<LOANS>                                        55,977,588
<ALLOWANCE>                                       562,377
<TOTAL-ASSETS>                                 65,252,401
<DEPOSITS>                                     57,615,415
<SHORT-TERM>                                            0
<LIABILITIES-OTHER>                             1,271,576
<LONG-TERM>                                             0
                                   0
                                             0
<COMMON>                                            2,464
<OTHER-SE>                                      5,800,501
<TOTAL-LIABILITIES-AND-EQUITY>                 65,252,401
<INTEREST-LOAN>                                 3,731,264
<INTEREST-INVEST>                                 166,379
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<INTEREST-TOTAL>                                3,960,700
<INTEREST-DEPOSIT>                              2,057,991
<INTEREST-EXPENSE>                              2,159,312
<INTEREST-INCOME-NET>                           1,801,388
<LOAN-LOSSES>                                     162,372
<SECURITIES-GAINS>                                      0
<EXPENSE-OTHER>                                 1,665,706
<INCOME-PRETAX>                                   282,207
<INCOME-PRE-EXTRAORDINARY>                        506,007
<EXTRAORDINARY>                                         0
<CHANGES>                                               0
<NET-INCOME>                                      506,007
<EPS-BASIC>                                          2.08
<EPS-DILUTED>                                        2.08
<YIELD-ACTUAL>                                       4.21
<LOANS-NON>                                       305,241
<LOANS-PAST>                                            0
<LOANS-TROUBLED>                                        0
<LOANS-PROBLEM>                                 1,069,010
<ALLOWANCE-OPEN>                                  561,944
<CHARGE-OFFS>                                     169,308
<RECOVERIES>                                        7,369
<ALLOWANCE-CLOSE>                                 562,377
<ALLOWANCE-DOMESTIC>                              535,764
<ALLOWANCE-FOREIGN>                                     0
<ALLOWANCE-UNALLOCATED>                            26,613



</TABLE>



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