<ARTICLE>                                            9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-END>                                   SEP-30-2000
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<FED-FUNDS-SOLD>                               0
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<ALLOWANCE>                                    2,093,580
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<EPS-BASIC>                                    0.63
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