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<TABLE> <S> <C>
<ARTICLE> 9
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 2,630,878
<INT-BEARING-DEPOSITS> 8,204,380
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 33,365,941
<INVESTMENTS-CARRYING> 383,081
<INVESTMENTS-MARKET> 383,081
<LOANS> 207,736,825
<ALLOWANCE> 2,284,987
<TOTAL-ASSETS> 258,563,200
<DEPOSITS> 132,676,803
<SHORT-TERM> 56,790,697
<LIABILITIES-OTHER> 1,195,083
<LONG-TERM> 41,400,000
0
0
<COMMON> 26,407
<OTHER-SE> 26,474,210
<TOTAL-LIABILITIES-AND-EQUITY> 258,563,200
<INTEREST-LOAN> 12,854,072
<INTEREST-INVEST> 1,711,551
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<INTEREST-DEPOSIT> 4,942,778
<INTEREST-EXPENSE> 9,235,547
<INTEREST-INCOME-NET> 5,507,402
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<SECURITIES-GAINS> 0
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<INCOME-PRETAX> 1,375,071
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<NET-INCOME> 1,009,720
<EPS-BASIC> 0.63
<EPS-DILUTED> 0.62
<YIELD-ACTUAL> 3.00
<LOANS-NON> 1,919,000
<LOANS-PAST> 0
<LOANS-TROUBLED> 10,300
<LOANS-PROBLEM> 2,611,000
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<CHARGE-OFFS> 795,490
<RECOVERIES> 40,027
<ALLOWANCE-CLOSE> 2,284,987
<ALLOWANCE-DOMESTIC> 2,284,987
<ALLOWANCE-FOREIGN> 0
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</TABLE>
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