<ARTICLE> 9 <PERIOD-TYPE> 9-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-END> SEP-30-2000 <CASH> 3,571,065 <INT-BEARING-DEPOSITS> 357,715 <FED-FUNDS-SOLD> 388,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 18,508,890 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 96,151,453 <ALLOWANCE> 1,068,133 <TOTAL-ASSETS> 123,575,338 <DEPOSITS> 106,573,272 <SHORT-TERM> 4,432,133 <LIABILITIES-OTHER> 887,033 <LONG-TERM> 9,443 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 567,512 <OTHER-SE> 11,105,945 <TOTAL-LIABILITIES-AND-EQUITY> 123,575,338 <INTEREST-LOAN> 5,868,841 <INTEREST-INVEST> 771,713 <INTEREST-OTHER> 96,072 <INTEREST-TOTAL> 6,736,626 <INTEREST-DEPOSIT> 3,566,539 <INTEREST-EXPENSE> 3,710,380 <INTEREST-INCOME-NET> 3,026,246 <LOAN-LOSSES> 117,000 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 2,732,084 <INCOME-PRETAX> 1,109,628 <INCOME-PRE-EXTRAORDINARY> 1,109,628 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 839,243 <EPS-BASIC> 1.55 <EPS-DILUTED> 1.55 <YIELD-ACTUAL> 3.67 <LOANS-NON> 364,000 <LOANS-PAST> 1,002,891 <LOANS-TROUBLED> 0 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 895,952 <CHARGE-OFFS> 24,367 <RECOVERIES> 79,548 <ALLOWANCE-CLOSE> 1,068,133 <ALLOWANCE-DOMESTIC> 993,908 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 74,225