<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
This summary financial information is qualified in its entirety by reference to
the Company's financial statements.
</LEGEND>
<MULTIPLIER> 1
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 8,167,519
<INT-BEARING-DEPOSITS> 234,707
<FED-FUNDS-SOLD> 3,583,000
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 18,768,293
<INVESTMENTS-CARRYING> 25,046,038
<INVESTMENTS-MARKET> 24,635,847
<LOANS> 132,954,423
<ALLOWANCE> 1,571,700
<TOTAL-ASSETS> 194,886,523
<DEPOSITS> 160,752,069
<SHORT-TERM> 10,284,747
<LIABILITIES-OTHER> 566,388
<LONG-TERM> 5,018,000
0
0
<COMMON> 2,414,605
<OTHER-SE> 15,850,714
<TOTAL-LIABILITIES-AND-EQUITY> 194,886,523
<INTEREST-LOAN> 9,218,766
<INTEREST-INVEST> 2,437,275
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 11,656,041
<INTEREST-DEPOSIT> 4,737,659
<INTEREST-EXPENSE> 5,636,087
<INTEREST-INCOME-NET> 6,019,954
<LOAN-LOSSES> 240,500
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 4,795,941
<INCOME-PRETAX> 2,145,402
<INCOME-PRE-EXTRAORDINARY> 2,145,402
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,494,403
<EPS-BASIC> .77
<EPS-DILUTED> .77
<YIELD-ACTUAL> 4.41
<LOANS-NON> 532,319
<LOANS-PAST> 605,309
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,486,900
<CHARGE-OFFS> 210,755
<RECOVERIES> 55,055
<ALLOWANCE-CLOSE> 1,571,700
<ALLOWANCE-DOMESTIC> 947,114
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 624,586
</TABLE>