<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> 24,404,719
<INT-BEARING-DEPOSITS> 25,000,000
<FED-FUNDS-SOLD> 29,239,808
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 66,436,772
<INVESTMENTS-CARRYING> 5,413,927
<INVESTMENTS-MARKET> 5,364,042
<LOANS> 343,340,057
<ALLOWANCE> (4,366,100)
<TOTAL-ASSETS> 506,240,775
<DEPOSITS> 383,634,457
<SHORT-TERM> 57,864,378
<LIABILITIES-OTHER> 3,402,106
<LONG-TERM> 37,500,000
0
0
<COMMON> 20,061,256
<OTHER-SE> 3,778,578
<TOTAL-LIABILITIES-AND-EQUITY> 506,240,775
<INTEREST-LOAN> 20,610,877
<INTEREST-INVEST> 3,716,553
<INTEREST-OTHER> 1,019,826
<INTEREST-TOTAL> 25,347,256
<INTEREST-DEPOSIT> 10,514,992
<INTEREST-EXPENSE> 13,831,640
<INTEREST-INCOME-NET> 11,515,616
<LOAN-LOSSES> 1,080,000
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 10,310,648
<INCOME-PRETAX> 3,139,522
<INCOME-PRE-EXTRAORDINARY> 3,139,522
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 1,892,138
<EPS-BASIC> 0.99
<EPS-DILUTED> 0.88
<YIELD-ACTUAL> 3.52
<LOANS-NON> 944,000
<LOANS-PAST> 467,000
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 3,392,587
<CHARGE-OFFS> 160,335
<RECOVERIES> 55,848
<ALLOWANCE-CLOSE> 4,366,100
<ALLOWANCE-DOMESTIC> 0
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 4,366,100
</TABLE>