<ARTICLE> 9

                                                  
<PERIOD-TYPE>                   3-MOS                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000             DEC-31-2000
<PERIOD-START>                             JUL-01-2000             JAN-01-2000
<PERIOD-END>                               SEP-30-2000             SEP-30-2000
<CASH>                                      16,412,991              16,412,991
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                            17,860,000              17,860,000
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                 43,760,099              43,760,099
<INVESTMENTS-CARRYING>                       2,666,210               2,266,210
<INVESTMENTS-MARKET>                         2,668,605               2,668,605
<LOANS>                                    134,252,779             134,252,779
<ALLOWANCE>                                  5,300,000               5,300,000
<TOTAL-ASSETS>                             322,046,169             322,046,169
<DEPOSITS>                                 256,875,870             256,875,870
<SHORT-TERM>                                         0                       0
<LIABILITIES-OTHER>                          5,265,841               5,265,841
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                       826,702                 826,702
<OTHER-SE>                                  59,077,756              59,077,756
<TOTAL-LIABILITIES-AND-EQUITY>             322,046,169             322,046,169
<INTEREST-LOAN>                              4,452,054              13,478,080
<INTEREST-INVEST>                            1,185,308               2,770,326
<INTEREST-OTHER>                               694,223               1,706,030
<INTEREST-TOTAL>                             6,331,585              17,954,436
<INTEREST-DEPOSIT>                           4,215,020              11,420,996
<INTEREST-EXPENSE>                           4,213,983              11,733,165
<INTEREST-INCOME-NET>                        2,117,602               6,221,271
<LOAN-LOSSES>                                1,160,282               2,591,803
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                              5,923,887              17,357,247
<INCOME-PRETAX>                              2,213,877               8,734,429
<INCOME-PRE-EXTRAORDINARY>                   2,213,877               8,734,429
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                 1,409,839               5,709,071
<EPS-BASIC>                                       0.17                    0.69
<EPS-DILUTED>                                     0.17                    0.68
<YIELD-ACTUAL>                                    3.20                    3.21
<LOANS-NON>                                  4,465,321               4,465,321
<LOANS-PAST>                                         0                       0
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                             4,650,000               4,550,000
<CHARGE-OFFS>                                  575,571               2,006,108
<RECOVERIES>                                    65,289                 164,305
<ALLOWANCE-CLOSE>                            5,300,000               5,300,000
<ALLOWANCE-DOMESTIC>                         4,069,054               4,069,054
<ALLOWANCE-FOREIGN>                            783,411                 783,411
<ALLOWANCE-UNALLOCATED>                        447,535                 447,535