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<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 6,661,287
<INT-BEARING-DEPOSITS> 774,000
<FED-FUNDS-SOLD> 11,064,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 18,764,499
<INVESTMENTS-CARRYING> 247,300
<INVESTMENTS-MARKET> 250,049
<LOANS> 165,886,539
<ALLOWANCE> 2,854,069
<TOTAL-ASSETS> 216,306,963
<DEPOSITS> 187,679,453
<SHORT-TERM> 0
<LIABILITIES-OTHER> 2,412,623
<LONG-TERM> 8,280,532
0
0
<COMMON> 399,500
<OTHER-SE> 17,534,855
<TOTAL-LIABILITIES-AND-EQUITY> 216,306,963
<INTEREST-LOAN> 12,108,231
<INTEREST-INVEST> 1,254,516
<INTEREST-OTHER> 53,313
<INTEREST-TOTAL> 13,416,060
<INTEREST-DEPOSIT> 5,732,172
<INTEREST-EXPENSE> 6,007,923
<INTEREST-INCOME-NET> 7,408,137
<LOAN-LOSSES> 309,500
<SECURITIES-GAINS> 5
<EXPENSE-OTHER> 5,946,089
<INCOME-PRETAX> 3,198,185
<INCOME-PRE-EXTRAORDINARY> 3,198,185
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 2,121,710
<EPS-BASIC> 5.31
<EPS-DILUTED> 5.31
<YIELD-ACTUAL> 0
<LOANS-NON> 862,000
<LOANS-PAST> 806,000
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,168,877
<CHARGE-OFFS> 385,095
<RECOVERIES> 172,482
<ALLOWANCE-CLOSE> 2,854,069
<ALLOWANCE-DOMESTIC> 0
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 2,854,069
</TABLE>
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