|
|
|
|
|
|
|
|
|
|
|
|
|
<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S 10-Q FOR PERIOD ENDING SEPTEMBER 30, 2000 AND IS QUALIFIED IN
ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS AND THE NOTES
THERETO.
</LEGEND>
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 9,012,225
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 3,825,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 90,617,561
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 175,889,002
<ALLOWANCE> 2,756,510
<TOTAL-ASSETS> 291,238,553
<DEPOSITS> 255,469,318
<SHORT-TERM> 0
<LIABILITIES-OTHER> 3,529,916
<LONG-TERM> 1,707,275
0
0
<COMMON> 1,540,467
<OTHER-SE> 34,228,768
<TOTAL-LIABILITIES-AND-EQUITY> 291,238,553
<INTEREST-LOAN> 13,517,106
<INTEREST-INVEST> 3,831,719
<INTEREST-OTHER> 333,175
<INTEREST-TOTAL> 17,682,000
<INTEREST-DEPOSIT> 7,911,266
<INTEREST-EXPENSE> 7,998,402
<INTEREST-INCOME-NET> 9,446,573
<LOAN-LOSSES> 237,025
<SECURITIES-GAINS> (48,204)
<EXPENSE-OTHER> 6,850,676
<INCOME-PRETAX> 4,640,475
<INCOME-PRE-EXTRAORDINARY> 3,171,321
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 3,171,321
<EPS-BASIC> 2.04
<EPS-DILUTED> 2.03
<YIELD-ACTUAL> 3.49
<LOANS-NON> 889,008
<LOANS-PAST> 259,138
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 2,838,481
<CHARGE-OFFS> 513,357
<RECOVERIES> 194,361
<ALLOWANCE-CLOSE> 2,756,510
<ALLOWANCE-DOMESTIC> 2,756,510
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>
|
|