<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM UNAUDITED
CONSOLIDATED CONDENSED FINANCIAL STATEMENTS, AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 26,704,616
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 96,950,394
<INVESTMENTS-CARRYING> 33,779,454
<INVESTMENTS-MARKET> 33,827,017
<LOANS> 439,295,435
<ALLOWANCE> 5,973,204
<TOTAL-ASSETS> 617,705,170
<DEPOSITS> 499,421,374
<SHORT-TERM> 62,313,003
<LIABILITIES-OTHER> 6,391,627
<LONG-TERM> 1,114,718
0
0
<COMMON> 49,376,763
<OTHER-SE> (912,315)
<TOTAL-LIABILITIES-AND-EQUITY> 617,705,170
<INTEREST-LOAN> 31,909,386
<INTEREST-INVEST> 5,812,423
<INTEREST-OTHER> 264,384
<INTEREST-TOTAL> 37,986,193
<INTEREST-DEPOSIT> 11,975,571
<INTEREST-EXPENSE> 14,411,590
<INTEREST-INCOME-NET> 23,574,603
<LOAN-LOSSES> 1,850,006
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 19,524,961
<INCOME-PRETAX> 7,831,763
<INCOME-PRE-EXTRAORDINARY> 7,831,763
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 5,173,447
<EPS-BASIC> 1.06
<EPS-DILUTED> 1.04
<YIELD-ACTUAL> .055
<LOANS-NON> 2,439,064
<LOANS-PAST> 34,831
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 4,113,232
<ALLOWANCE-OPEN> 5,386,622
<CHARGE-OFFS> 1,668,381
<RECOVERIES> 404,957
<ALLOWANCE-CLOSE> 5,973,204
<ALLOWANCE-DOMESTIC> 5,973,204
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>