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<TABLE> <S> <C>
<ARTICLE> 9
<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> 49,195,805
<INT-BEARING-DEPOSITS> 13,025,341
<FED-FUNDS-SOLD> 3,736,922
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 244,407,125
<INVESTMENTS-CARRYING> 3,081,439
<INVESTMENTS-MARKET> 3,130,620
<LOANS> 652,120,420
<ALLOWANCE> 7,061,943
<TOTAL-ASSETS> 1,101,258,413
<DEPOSITS> 837,007,773
<SHORT-TERM> 126,171,864
<LIABILITIES-OTHER> 9,328,706
<LONG-TERM> 26,209,250
0
0
<COMMON> 1,010,493
<OTHER-SE> 101,530,327
<TOTAL-LIABILITIES-AND-EQUITY> 1,101,258,413
<INTEREST-LOAN> 45,284,615
<INTEREST-INVEST> 12,606,368
<INTEREST-OTHER> 388,423
<INTEREST-TOTAL> 58,279,406
<INTEREST-DEPOSIT> 23,325,377
<INTEREST-EXPENSE> 30,622,964
<INTEREST-INCOME-NET> 27,656,442
<LOAN-LOSSES> 607,500
<SECURITIES-GAINS> (138,911)
<EXPENSE-OTHER> 28,167,646
<INCOME-PRETAX> 2,331,362
<INCOME-PRE-EXTRAORDINARY> 1,389,528
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,389,528
<EPS-BASIC> 0.17
<EPS-DILUTED> 0.17
<YIELD-ACTUAL> 3.79
<LOANS-NON> 5,160,000
<LOANS-PAST> 250,000
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<CHARGE-OFFS> 665,856
<RECOVERIES> 215,320
<ALLOWANCE-CLOSE> 7,061,943
<ALLOWANCE-DOMESTIC> 7,061,943
<ALLOWANCE-FOREIGN> 0
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</TABLE>
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