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<TABLE> <S> <C>
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<S> <C>
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<FISCAL-YEAR-END> DEC-31-2001
<PERIOD-END> SEP-30-2000
<CASH> 3,341,207
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<TRADING-ASSETS> 0
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<INVESTMENTS-CARRYING> 512,558
<INVESTMENTS-MARKET> 518,541
<LOANS> 28,685,077
<ALLOWANCE> 166,400
<TOTAL-ASSETS> 37,702,641
<DEPOSITS> 33,843,443
<SHORT-TERM> 0
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<LONG-TERM> 0
0
0
<COMMON> 625,000
<OTHER-SE> 2,958,370
<TOTAL-LIABILITIES-AND-EQUITY> 37,702,641
<INTEREST-LOAN> 1,798,047
<INTEREST-INVEST> 217,385
<INTEREST-OTHER> 39,649
<INTEREST-TOTAL> 2,055,080
<INTEREST-DEPOSIT> 915,529
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<INTEREST-INCOME-NET> 1,139,551
<LOAN-LOSSES> 4,000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 718,496
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<EPS-BASIC> 5.56
<EPS-DILUTED> 5.56
<YIELD-ACTUAL> 4.03
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<ALLOWANCE-CLOSE> 166,400
<ALLOWANCE-DOMESTIC> 64,454
<ALLOWANCE-FOREIGN> 0
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</TABLE>
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