<ARTICLE>                                            9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-START>                                 JAN-01-2000
<PERIOD-END>                                   SEP-30-2000
<CASH>                                          13,392,673
<INT-BEARING-DEPOSITS>                             100,000
<FED-FUNDS-SOLD>                                 1,100,000
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                     85,438,796
<INVESTMENTS-CARRYING>                           5,381,349
<INVESTMENTS-MARKET>                             5,346,321
<LOANS>                                        182,386,504
<ALLOWANCE>                                      6,147,648
<TOTAL-ASSETS>                                 302,889,277
<DEPOSITS>                                     260,500,602
<SHORT-TERM>                                    15,087,417
<LIABILITIES-OTHER>                              2,531,632
<LONG-TERM>                                        200,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                        19,899,306
<OTHER-SE>                                       4,670,320
<TOTAL-LIABILITIES-AND-EQUITY>                 302,889,277
<INTEREST-LOAN>                                 12,526,952
<INTEREST-INVEST>                                5,017,335
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                17,544,287
<INTEREST-DEPOSIT>                               6,734,305
<INTEREST-EXPENSE>                               7,022,425
<INTEREST-INCOME-NET>                           10,521,862
<LOAN-LOSSES>                                      200,000
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                  8,780,273
<INCOME-PRETAX>                                  3,502,064
<INCOME-PRE-EXTRAORDINARY>                       2,183,739
<EXTRAORDINARY>                                      3,870
<CHANGES>                                                0
<NET-INCOME>                                     2,187,609
<EPS-BASIC>                                           1.14
<EPS-DILUTED>                                         1.06
<YIELD-ACTUAL>                                        8.65
<LOANS-NON>                                      6,510,926
<LOANS-PAST>                                       662,059
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                  7,999,723
<ALLOWANCE-OPEN>                                 6,770,523
<CHARGE-OFFS>                                    1,244,486
<RECOVERIES>                                       421,611
<ALLOWANCE-CLOSE>                                6,147,648
<ALLOWANCE-DOMESTIC>                             6,147,648
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                          1,359,700