<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS LEGEND CONTAINS SUMMARY INFORMATION EXTRACTED FROM THE FORM 10-Q AND IS
QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 3,391,284
<INT-BEARING-DEPOSITS> 1,313,930
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 976,131
<INVESTMENTS-HELD-FOR-SALE> 7,313,624
<INVESTMENTS-CARRYING> 0
<INVESTMENTS-MARKET> 0
<LOANS> 111,959,633
<ALLOWANCE> 692,289
<TOTAL-ASSETS> 132,709,418
<DEPOSITS> 95,358,608
<SHORT-TERM> 13,500,000
<LIABILITIES-OTHER> 2,291,668
<LONG-TERM> 10,344,126
16,862
0
<COMMON> 0
<OTHER-SE> 11,198,154
<TOTAL-LIABILITIES-AND-EQUITY> 132,709,418
<INTEREST-LOAN> 6,252,164
<INTEREST-INVEST> 556,341
<INTEREST-OTHER> 0
<INTEREST-TOTAL> 6,808,505
<INTEREST-DEPOSIT> 3,181,717
<INTEREST-EXPENSE> 4,264,527
<INTEREST-INCOME-NET> 2,543,978
<LOAN-LOSSES> 108,810
<SECURITIES-GAINS> 36,758
<EXPENSE-OTHER> 2,143,481
<INCOME-PRETAX> 744,592
<INCOME-PRE-EXTRAORDINARY> 744,592
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 584,516
<EPS-BASIC> 0.65
<EPS-DILUTED> 0.65
<YIELD-ACTUAL> 2.80
<LOANS-NON> 1,373,000
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 590,701
<CHARGE-OFFS> 7,222
<RECOVERIES> 0
<ALLOWANCE-CLOSE> 692,289
<ALLOWANCE-DOMESTIC> 692,289
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>