<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FINANCIAL
STATEMENTS FOR THE NINE MONTHS ENDED SEPTEMBER 30, 2000, CONTAINED IN FORM
10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FORM 10-QSB.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-START> JAN-01-2000
<PERIOD-END> SEP-30-2000
<CASH> 4,055,002
<INT-BEARING-DEPOSITS> 0
<FED-FUNDS-SOLD> 6,324,654
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 26,443,869
<INVESTMENTS-CARRYING> 3,030,416
<INVESTMENTS-MARKET> 2,955,635
<LOANS> 64,136,989
<ALLOWANCE> 836,738
<TOTAL-ASSETS> 110,105,193
<DEPOSITS> 89,639,739
<SHORT-TERM> 4,858,444
<LIABILITIES-OTHER> 716,639
<LONG-TERM> 0
0
0
<COMMON> 1,207,177
<OTHER-SE> 13,683,194
<TOTAL-LIABILITIES-AND-EQUITY> 110,105,193
<INTEREST-LOAN> 4,005,801
<INTEREST-INVEST> 1,304,787
<INTEREST-OTHER> 288,311
<INTEREST-TOTAL> 5,598,899
<INTEREST-DEPOSIT> 2,228,124
<INTEREST-EXPENSE> 2,398,306
<INTEREST-INCOME-NET> 3,200,593
<LOAN-LOSSES> 124,500
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 2,431,411
<INCOME-PRETAX> 1,072,361
<INCOME-PRE-EXTRAORDINARY> 1,072,361
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 701,747
<EPS-BASIC> .58
<EPS-DILUTED> .57
<YIELD-ACTUAL> 4.60
<LOANS-NON> 0
<LOANS-PAST> 0
<LOANS-TROUBLED> 0
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 703,993
<CHARGE-OFFS> 6,007
<RECOVERIES> 14,252
<ALLOWANCE-CLOSE> 836,738
<ALLOWANCE-DOMESTIC> 836,738
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 836,738
</TABLE>