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<TABLE> <S> <C>
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<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 4,333,429
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 24,670,000
<TRADING-ASSETS> 0
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<ALLOWANCE> 1,536,139
<TOTAL-ASSETS> 188,391,315
<DEPOSITS> 149,125,274
<SHORT-TERM> 10,030,000
<LIABILITIES-OTHER> 735,103
<LONG-TERM> 10,000,000
0
0
<COMMON> 17,208
<OTHER-SE> 18,483,730
<TOTAL-LIABILITIES-AND-EQUITY> 188,391,315
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<INTEREST-DEPOSIT> 5,393,718
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<ALLOWANCE-DOMESTIC> 1,536,139
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</TABLE>
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