<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                       2,630,878
<INT-BEARING-DEPOSITS>                       8,204,380
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 33,365,941
<INVESTMENTS-CARRYING>                         383,081
<INVESTMENTS-MARKET>                           383,081
<LOANS>                                    207,736,825
<ALLOWANCE>                                  2,284,987
<TOTAL-ASSETS>                             258,563,200
<DEPOSITS>                                 132,676,803
<SHORT-TERM>                                56,790,697
<LIABILITIES-OTHER>                          1,195,083
<LONG-TERM>                                 41,400,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        26,407
<OTHER-SE>                                  26,474,210
<TOTAL-LIABILITIES-AND-EQUITY>             258,563,200
<INTEREST-LOAN>                             12,854,072
<INTEREST-INVEST>                            1,711,551
<INTEREST-OTHER>                               177,326
<INTEREST-TOTAL>                            14,742,949
<INTEREST-DEPOSIT>                           4,942,778
<INTEREST-EXPENSE>                           9,235,547
<INTEREST-INCOME-NET>                        5,507,402
<LOAN-LOSSES>                                1,273,750
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              3,584,057
<INCOME-PRETAX>                              1,375,071
<INCOME-PRE-EXTRAORDINARY>                   1,009,720
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,009,720
<EPS-BASIC>                                       0.63
<EPS-DILUTED>                                     0.62
<YIELD-ACTUAL>                                    3.00
<LOANS-NON>                                  1,919,000
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                10,300
<LOANS-PROBLEM>                              2,611,000
<ALLOWANCE-OPEN>                             1,766,700
<CHARGE-OFFS>                                  795,490
<RECOVERIES>                                    40,027
<ALLOWANCE-CLOSE>                            2,284,987
<ALLOWANCE-DOMESTIC>                         2,284,987
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0