<TABLE> <S> <C>
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<CURRENCY> U.S. DOLLARS
<S> <C>
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<FISCAL-YEAR-END> DEC-31-1999
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<EXCHANGE-RATE> 1
<CASH> 27,279,925
<INT-BEARING-DEPOSITS> 1,454,463
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<TRADING-ASSETS> 0
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<INVESTMENTS-CARRYING> 34,478,077
<INVESTMENTS-MARKET> 33,348,444
<LOANS> 780,681,211
<ALLOWANCE> 9,379,464
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<DEPOSITS> 799,493,053
<SHORT-TERM> 31,501,372
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0
0
<COMMON> 39,747,406
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<EPS-BASIC> .53
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</TABLE>