<ARTICLE> 9 <PERIOD-TYPE> 3-MOS <FISCAL-YEAR-END> DEC-31-2000 <PERIOD-START> JUL-01-2000 <PERIOD-END> SEP-30-2000 <CASH> 42,662,943 <INT-BEARING-DEPOSITS> 23,262,788 <FED-FUNDS-SOLD> 20,000,000 <TRADING-ASSETS> 0 <INVESTMENTS-HELD-FOR-SALE> 392,909,564 <INVESTMENTS-CARRYING> 0 <INVESTMENTS-MARKET> 0 <LOANS> 797,456,535 <ALLOWANCE> (11,972,775) <TOTAL-ASSETS> 1,334,908,855 <DEPOSITS> 983,475,641 <SHORT-TERM> 97,018,639 <LIABILITIES-OTHER> 12,651,468 <LONG-TERM> 147,713,365 <PREFERRED-MANDATORY> 0 <PREFERRED> 0 <COMMON> 22,652,660 <OTHER-SE> 71,397,082 <TOTAL-LIABILITIES-AND-EQUITY> 1,334,908,855 <INTEREST-LOAN> 15,900,554 <INTEREST-INVEST> 8,085,267 <INTEREST-OTHER> 356,103 <INTEREST-TOTAL> 24,341,924 <INTEREST-DEPOSIT> 7,636,029 <INTEREST-EXPENSE> 11,535,926 <INTEREST-INCOME-NET> 12,805,998 <LOAN-LOSSES> 0 <SECURITIES-GAINS> 44,931 <EXPENSE-OTHER> 10,228,181 <INCOME-PRETAX> 6,567,083 <INCOME-PRE-EXTRAORDINARY> 6,567,083 <EXTRAORDINARY> 0 <CHANGES> 0 <NET-INCOME> 4,367,309 <EPS-BASIC> 0.51 <EPS-DILUTED> 0.51 <YIELD-ACTUAL> 4.15 <LOANS-NON> 2,270,000 <LOANS-PAST> 0 <LOANS-TROUBLED> 239,000 <LOANS-PROBLEM> 9,373,710 <ALLOWANCE-OPEN> 11,158,126 <CHARGE-OFFS> 94,265 <RECOVERIES> 398,697 <ALLOWANCE-CLOSE> 11,972,775 <ALLOWANCE-DOMESTIC> 11,972,775 <ALLOWANCE-FOREIGN> 0 <ALLOWANCE-UNALLOCATED> 0