<ARTICLE>                                        9
<LEGEND>
This schedule  contains summary  financial  information  extracted from the Form
10-QSB for the quarter  ended  September  30,  2000,  and is  qualified  in its
entirety by reference to the unaudited financial statements contained therein.
</LEGEND>
<MULTIPLIER>                                    1

                             
<PERIOD-TYPE>                               9-MOS
<FISCAL-YEAR-END>                     DEC-31-2000
<PERIOD-END>                          SEP-30-2000
<CASH>                                  1,690,417
<INT-BEARING-DEPOSITS>                  3,487,693
<FED-FUNDS-SOLD>                                0
<TRADING-ASSETS>                                0
<INVESTMENTS-HELD-FOR-SALE>             2,931,250
<INVESTMENTS-CARRYING>                161,247,182
<INVESTMENTS-MARKET>                  156,330,993
<LOANS>                               166,964,774
<ALLOWANCE>                             1,363,366
<TOTAL-ASSETS>                        351,278,189
<DEPOSITS>                            235,162,743
<SHORT-TERM>                           11,800,000
<LIABILITIES-OTHER>                     1,783,518
<LONG-TERM>                            53,698,093
<PREFERRED-MANDATORY>                      41,972
<PREFERRED>                                     0
<COMMON>                                        0
<OTHER-SE>                             48,791,863
<TOTAL-LIABILITIES-AND-EQUITY>        351,278,189
<INTEREST-LOAN>                         9,127,078
<INTEREST-INVEST>                       8,532,400
<INTEREST-OTHER>                          308,149
<INTEREST-TOTAL>                       17,967,627
<INTEREST-DEPOSIT>                      6,824,251
<INTEREST-EXPENSE>                      9,707,378
<INTEREST-INCOME-NET>                   8,260,249
<LOAN-LOSSES>                                   0
<SECURITIES-GAINS>                              0
<EXPENSE-OTHER>                         4,800,209
<INCOME-PRETAX>                         3,868,192
<INCOME-PRE-EXTRAORDINARY>              2,523,747
<EXTRAORDINARY>                                 0
<CHANGES>                                       0
<NET-INCOME>                            2,523,747
<EPS-BASIC>                                  0.65
<EPS-DILUTED>                                0.65
<YIELD-ACTUAL>                               3.27
<LOANS-NON>                                95,610
<LOANS-PAST>                                    0
<LOANS-TROUBLED>                           91,090
<LOANS-PROBLEM>                                 0
<ALLOWANCE-OPEN>                        1,400,366
<CHARGE-OFFS>                              37,000
<RECOVERIES>                                    0
<ALLOWANCE-CLOSE>                       1,363,366
<ALLOWANCE-DOMESTIC>                    1,004,366
<ALLOWANCE-FOREIGN>                             0
<ALLOWANCE-UNALLOCATED>                   359,000