<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JUL-01-2000 <PERIOD-END> SEP-30-2000 <CASH> 14,374,383 <INT-BEARING-DEPOSITS> 18,338,438 <FED-FUNDS-SOLD> 4,844,540 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 44,419,212 <INVESTMENTS-CARRYING> 2,710,244 <INVESTMENTS-MARKET> 0 <LOANS> 950,044,165 <ALLOWANCE> 20,907,255 <TOTAL-ASSETS> 1,057,255,542 <DEPOSITS> 133,555,730 <SHORT-TERM> 263,845,090 <LIABILITIES-OTHER> 32,533,163 <LONG-TERM> 473,725,318 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 130,702,097 <OTHER-SE> 97,010 <TOTAL-LIABILITIES-AND-EQUITY> 1,057,255,542 <INTEREST-LOAN> 65,587,541 <INTEREST-INVEST> 3,573,296 <INTEREST-OTHER> 0 <INTEREST-TOTAL> 69,160,837 <INTEREST-DEPOSIT> 4,941,354 <INTEREST-EXPENSE> 45,863,268 <INTEREST-INCOME-NET> 23,297,569 <LOAN-LOSSES> 2,456,667 <SECURITIES-GAINS> 0 <EXPENSE-OTHER> 20,691,264 <INCOME-PRETAX> 6,973,650 <INCOME-PRE-EXTRAORDINARY> 0 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 5,556,150 <EPS-BASIC> 5.67 <EPS-DILUTED> 5.67 <YIELD-ACTUAL> 2.83 <LOANS-NON> 504,288 <LOANS-PAST> 163,941 <LOANS-TROUBLED> 1,296,272 <LOANS-PROBLEM> 0 <ALLOWANCE-OPEN> 18,693,670 <CHARGE-OFFS> 676,958 <RECOVERIES> 433,876 <ALLOWANCE-CLOSE> 20,907,255 <ALLOWANCE-DOMESTIC> 0 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 20,907,255