<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S INTERIM FINANCIAL STATEMENTS FOR FISCAL PERIOD 9-30-00 AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 12,137,332
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 1,145,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 47,385,259
<INVESTMENTS-CARRYING> 14,376,076
<INVESTMENTS-MARKET> 14,185,427
<LOANS> 141,258,419
<ALLOWANCE> 1,865,274
<TOTAL-ASSETS> 222,798,483
<DEPOSITS> 178,651,515
<SHORT-TERM> 3,450,000
<LIABILITIES-OTHER> 2,086,220
<LONG-TERM> 8,915,921
0
0
<COMMON> 11,559
<OTHER-SE> 19,289,787
<TOTAL-LIABILITIES-AND-EQUITY> 222,798,483
<INTEREST-LOAN> 9,555,884
<INTEREST-INVEST> 2,888,550
<INTEREST-OTHER> 378,153
<INTEREST-TOTAL> 12,822,587
<INTEREST-DEPOSIT> 5,357,324
<INTEREST-EXPENSE> 6,226,504
<INTEREST-INCOME-NET> 6,596,083
<LOAN-LOSSES> 355,000
<SECURITIES-GAINS> 34,725
<EXPENSE-OTHER> 5,506,406
<INCOME-PRETAX> 1,921,659
<INCOME-PRE-EXTRAORDINARY> 1,921,659
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,433,830
<EPS-BASIC> 1.31
<EPS-DILUTED> 1.30
<YIELD-ACTUAL> 8.41
<LOANS-NON> 408,197
<LOANS-PAST> 18,000
<LOANS-TROUBLED> 139,000
<LOANS-PROBLEM> 3,077,404
<ALLOWANCE-OPEN> 1,676,000
<CHARGE-OFFS> 192,000
<RECOVERIES> 26,000
<ALLOWANCE-CLOSE> 1,865,000
<ALLOWANCE-DOMESTIC> 1,865,000
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 1,060,856
</TABLE>