<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>                                         9,841,018
<INT-BEARING-DEPOSITS>                         4,744,784
<FED-FUNDS-SOLD>                               1,230,000
<TRADING-ASSETS>                               0
<INVESTMENTS-HELD-FOR-SALE>                    513,558
<INVESTMENTS-CARRYING>                         0
<INVESTMENTS-MARKET>                           0
<LOANS>                                        134,633,036
<ALLOWANCE>                                    1,841,964
<TOTAL-ASSETS>                                 158,146,256
<DEPOSITS>                                     145,045,348
<SHORT-TERM>                                   1,263,259
<LIABILITIES-OTHER>                            1,238,506
<LONG-TERM>                                    0
                          0
                                    0
<COMMON>                                       775,325
<OTHER-SE>                                     9,823,818
<TOTAL-LIABILITIES-AND-EQUITY>                 158,146,256
<INTEREST-LOAN>                                9,900,992
<INTEREST-INVEST>                              77,972
<INTEREST-OTHER>                               145,174
<INTEREST-TOTAL>                               10,124,138
<INTEREST-DEPOSIT>                             4,476,775
<INTEREST-EXPENSE>                             4,639,274
<INTEREST-INCOME-NET>                          5,484,864
<LOAN-LOSSES>                                  606,244
<SECURITIES-GAINS>                             0
<EXPENSE-OTHER>                                4,752,716
<INCOME-PRETAX>                                1,658,722
<INCOME-PRE-EXTRAORDINARY>                     1,658,722
<EXTRAORDINARY>                                0
<CHANGES>                                      0
<NET-INCOME>                                   1,025,722
<EPS-BASIC>                                    1.37
<EPS-DILUTED>                                  1.37
<YIELD-ACTUAL>                                 10.34
<LOANS-NON>                                    1,436,877
<LOANS-PAST>                                   1,382,431
<LOANS-TROUBLED>                               0
<LOANS-PROBLEM>                                0
<ALLOWANCE-OPEN>                               1,338,691
<CHARGE-OFFS>                                  125,339
<RECOVERIES>                                   22,369
<ALLOWANCE-CLOSE>                              1,841,964
<ALLOWANCE-DOMESTIC>                           1,841,964
<ALLOWANCE-FOREIGN>                            0
<ALLOWANCE-UNALLOCATED>                        1,838,416



</TABLE>



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