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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> 18,307,274
<INT-BEARING-DEPOSITS> 110,000
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 88,501,019
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
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<ALLOWANCE> 6,890,492
<TOTAL-ASSETS> 688,509,888
<DEPOSITS> 551,017,036
<SHORT-TERM> 35,200,000
<LIABILITIES-OTHER> 7,843,512
<LONG-TERM> 46,329,189
0
0
<COMMON> 11,439,255
<OTHER-SE> 36,680,896
<TOTAL-LIABILITIES-AND-EQUITY> 688,509,888
<INTEREST-LOAN> 36,721,236
<INTEREST-INVEST> 3,991,486
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<INTEREST-TOTAL> 40,900,896
<INTEREST-DEPOSIT> 17,918,879
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<INTEREST-INCOME-NET> 19,585,439
<LOAN-LOSSES> 1,350,000
<SECURITIES-GAINS> (80,540)
<EXPENSE-OTHER> 19,401,241
<INCOME-PRETAX> 7,284,137
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<EPS-BASIC> 1.14
<EPS-DILUTED> 1.14
<YIELD-ACTUAL> 4.30
<LOANS-NON> 2,394,717
<LOANS-PAST> 2,054,308
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<ALLOWANCE-FOREIGN> 0
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</TABLE>
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