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<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 3-mos
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 2,550,857
<INT-BEARING-DEPOSITS> 157,797,809
<FED-FUNDS-SOLD> 0
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<INVESTMENTS-HELD-FOR-SALE> 55,744,571
<INVESTMENTS-CARRYING> 5,900,863
<INVESTMENTS-MARKET> 61,675,342
<LOANS> 225,034,946
<ALLOWANCE> 2,560,842
<TOTAL-ASSETS> 311,532,283
<DEPOSITS> 255,650,302
<SHORT-TERM> 17,800,000
<LIABILITIES-OTHER> 1,423,102
<LONG-TERM> 15,000,000
0
0
<COMMON> 2,239,775
<OTHER-SE> 9,228,547
<TOTAL-LIABILITIES-AND-EQUITY> 311,532,283
<INTEREST-LOAN> 13,261,897
<INTEREST-INVEST> 3,122,146
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<INTEREST-TOTAL> 16,846,167
<INTEREST-DEPOSIT> 5,356,995
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<INTEREST-INCOME-NET> 9,964,452
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<SECURITIES-GAINS> (54,619)
<EXPENSE-OTHER> 6,376,792
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<EPS-BASIC> 4.61
<EPS-DILUTED> 4.61
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<LOANS-NON> 1,184,983
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<ALLOWANCE-DOMESTIC> 2,560,842
<ALLOWANCE-FOREIGN> 0
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</TABLE>
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