<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
COMPANY'S 10-Q FOR PERIOD ENDING SEPTEMBER 30, 2000 AND IS QUALIFIED IN
ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS AND THE NOTES
THERETO.
</LEGEND>

                             
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                       9,012,225
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             3,825,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 90,617,561
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                    175,889,002
<ALLOWANCE>                                  2,756,510
<TOTAL-ASSETS>                             291,238,553
<DEPOSITS>                                 255,469,318
<SHORT-TERM>                                         0
<LIABILITIES-OTHER>                          3,529,916
<LONG-TERM>                                  1,707,275
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     1,540,467
<OTHER-SE>                                  34,228,768
<TOTAL-LIABILITIES-AND-EQUITY>             291,238,553
<INTEREST-LOAN>                             13,517,106
<INTEREST-INVEST>                            3,831,719
<INTEREST-OTHER>                               333,175
<INTEREST-TOTAL>                            17,682,000
<INTEREST-DEPOSIT>                           7,911,266
<INTEREST-EXPENSE>                           7,998,402
<INTEREST-INCOME-NET>                        9,446,573
<LOAN-LOSSES>                                  237,025
<SECURITIES-GAINS>                             (48,204)
<EXPENSE-OTHER>                              6,850,676
<INCOME-PRETAX>                              4,640,475
<INCOME-PRE-EXTRAORDINARY>                   3,171,321
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 3,171,321
<EPS-BASIC>                                     2.04
<EPS-DILUTED>                                     2.03
<YIELD-ACTUAL>                                    3.49
<LOANS-NON>                                    889,008
<LOANS-PAST>                                   259,138
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             2,838,481
<CHARGE-OFFS>                                  513,357
<RECOVERIES>                                   194,361
<ALLOWANCE-CLOSE>                            2,756,510
<ALLOWANCE-DOMESTIC>                         2,756,510
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0