|
|
|
|
|
|
|
|
|
<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 4,993,906
<INT-BEARING-DEPOSITS> 8,147,450
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 0
<INVESTMENTS-CARRYING> 118,649,890
<INVESTMENTS-MARKET> 118,339,858
<LOANS> 344,254,594
<ALLOWANCE> 3,121,703
<TOTAL-ASSETS> 494,456,226
<DEPOSITS> 341,643,669
<SHORT-TERM> 57,363,368
<LIABILITIES-OTHER> 3,336,102
<LONG-TERM> 57,305,000
0
0
<COMMON> 1,409,678
<OTHER-SE> 33,398,409
<TOTAL-LIABILITIES-AND-EQUITY> 494,456,226
<INTEREST-LOAN> 19,958,265
<INTEREST-INVEST> 5,842,441
<INTEREST-OTHER> 41,641
<INTEREST-TOTAL> 25,842,347
<INTEREST-DEPOSIT> 10,857,603
<INTEREST-EXPENSE> 15,606,039
<INTEREST-INCOME-NET> 10,236,308
<LOAN-LOSSES> 381,000
<SECURITIES-GAINS> 20,123
<EXPENSE-OTHER> 8,839,185
<INCOME-PRETAX> 3,289,802
<INCOME-PRE-EXTRAORDINARY> 0
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,656,052
<EPS-BASIC> 1.47
<EPS-DILUTED> 1.47
<YIELD-ACTUAL> 3.02
<LOANS-NON> 1,225,785
<LOANS-PAST> 5,532,319
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 3,172,375
<CHARGE-OFFS> 494,154
<RECOVERIES> 62,482
<ALLOWANCE-CLOSE> 3,121,703
<ALLOWANCE-DOMESTIC> 3,121,703
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
|
|