<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                      25,972,073
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             3,150,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 28,531,854
<INVESTMENTS-CARRYING>                       2,428,428
<INVESTMENTS-MARKET>                         2,425,765
<LOANS>                                    336,066,960
<ALLOWANCE>                                  4,617,531
<TOTAL-ASSETS>                             416,588,623
<DEPOSITS>                                 359,412,153
<SHORT-TERM>                                20,000,000
<LIABILITIES-OTHER>                          3,878,147
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                    17,768,806
<OTHER-SE>                                  15,529,517
<TOTAL-LIABILITIES-AND-EQUITY>             416,588,623
<INTEREST-LOAN>                             24,389,440
<INTEREST-INVEST>                            1,449,984
<INTEREST-OTHER>                               124,914
<INTEREST-TOTAL>                            25,964,338
<INTEREST-DEPOSIT>                           6,228,243
<INTEREST-EXPENSE>                           7,182,591
<INTEREST-INCOME-NET>                       18,781,747
<LOAN-LOSSES>                                1,956,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                             12,367,716
<INCOME-PRETAX>                              8,714,997
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<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 5,313,938
<EPS-BASIC>                                       0.77
<EPS-DILUTED>                                     0.76
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                    466,000
<LOANS-PAST>                                    45,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             3,525,185
<CHARGE-OFFS>                              (1,006,083)
<RECOVERIES>                                   142,429
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<ALLOWANCE-DOMESTIC>                         4,617,531
<ALLOWANCE-FOREIGN>                                  0
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