<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                      18,668,601
<INT-BEARING-DEPOSITS>                       2,053,656
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                146,505,851
<INVESTMENTS-CARRYING>                      50,361,307
<INVESTMENTS-MARKET>                        50,037,546
<LOANS>                                    298,219,139
<ALLOWANCE>                                  4,774,883
<TOTAL-ASSETS>                             541,108,500
<DEPOSITS>                                 454,570,062
<SHORT-TERM>                                16,000,000
<LIABILITIES-OTHER>                          5,200,148
<LONG-TERM>                                 28,000,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                        136
<COMMON>                                        30,559
<OTHER-SE>                                  37,307,595
<TOTAL-LIABILITIES-AND-EQUITY>             541,108,500
<INTEREST-LOAN>                             17,933,316
<INTEREST-INVEST>                            8,129,600
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                            26,062,916
<INTEREST-DEPOSIT>                          11,845,413
<INTEREST-EXPENSE>                          13,020,886
<INTEREST-INCOME-NET>                       13,042,030
<LOAN-LOSSES>                                  975,000
<SECURITIES-GAINS>                              29,210
<EXPENSE-OTHER>                              9,635,452
<INCOME-PRETAX>                              5,565,347
<INCOME-PRE-EXTRAORDINARY>                   3,736,147
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 3,736,147
<EPS-BASIC>                                       1.38
<EPS-DILUTED>                                     1.36
<YIELD-ACTUAL>                                    8.56
<LOANS-NON>                                  1,399,909
<LOANS-PAST>                                   249,000
<LOANS-TROUBLED>                                53,290
<LOANS-PROBLEM>                              1,603,047
<ALLOWANCE-OPEN>                             3,452,131
<CHARGE-OFFS>                                  527,222
<RECOVERIES>                                   280,741
<ALLOWANCE-CLOSE>                            4,774,883
<ALLOWANCE-DOMESTIC>                         4,774,883
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                      1,298,290