<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 6,287,393
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 13,000,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 0
<INVESTMENTS-CARRYING> 32,890,959
<INVESTMENTS-MARKET> 33,105,977
<LOANS> 52,393,306
<ALLOWANCE> 1,024,554
<TOTAL-ASSETS> 107,127,868
<DEPOSITS> 82,501,611
<SHORT-TERM> 328,098
<LIABILITIES-OTHER> 593,647
<LONG-TERM> 0
0
0
<COMMON> 3,729,064
<OTHER-SE> 19,975,448
<TOTAL-LIABILITIES-AND-EQUITY> 107,127,868
<INTEREST-LOAN> 3,712,871
<INTEREST-INVEST> 1,133,076
<INTEREST-OTHER> 1,317,319
<INTEREST-TOTAL> 6,163,266
<INTEREST-DEPOSIT> 1,466,604
<INTEREST-EXPENSE> 1,480,081
<INTEREST-INCOME-NET> 4,683,185
<LOAN-LOSSES> 225,000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 3,357,840
<INCOME-PRETAX> 1,957,676
<INCOME-PRE-EXTRAORDINARY> 1,046,816
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,046,816
<EPS-BASIC> .56
<EPS-DILUTED> .56
<YIELD-ACTUAL> 0
<LOANS-NON> 232,068
<LOANS-PAST> 762,095
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 800,000
<CHARGE-OFFS> 455
<RECOVERIES> 9
<ALLOWANCE-CLOSE> 1,024,554
<ALLOWANCE-DOMESTIC> 1,024,554
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>