<ARTICLE>                                            9
<LEGEND>
This schedule contains summary financial information from SEC Form 10-Q and is
qualified in its entirety by reference to such financial information.
</LEGEND>

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                              DEC-31-2000
<PERIOD-START>                                 JAN-01-2000
<PERIOD-END>                                   SEP-30-2000
<CASH>                                          20,951,543
<INT-BEARING-DEPOSITS>                              89,087
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                     45,854,099
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                        373,222,569
<ALLOWANCE>                                      5,481,473
<TOTAL-ASSETS>                                 451,312,937
<DEPOSITS>                                     366,617,267
<SHORT-TERM>                                     6,000,000
<LIABILITIES-OTHER>                              1,704,960
<LONG-TERM>                                     40,000,000
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                        36,882,916
<OTHER-SE>                                         107,794
<TOTAL-LIABILITIES-AND-EQUITY>                 451,312,937
<INTEREST-LOAN>                                 22,728,502
<INTEREST-INVEST>                                1,771,095
<INTEREST-OTHER>                                         0
<INTEREST-TOTAL>                                24,499,597
<INTEREST-DEPOSIT>                              10,818,454
<INTEREST-EXPENSE>                              12,564,956
<INTEREST-INCOME-NET>                           11,934,641
<LOAN-LOSSES>                                    1,516,000
<SECURITIES-GAINS>                                       0
<EXPENSE-OTHER>                                  9,400,644
<INCOME-PRETAX>                                  2,469,220
<INCOME-PRE-EXTRAORDINARY>                       2,469,220
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                     2,297,053
<EPS-BASIC>                                            .64
<EPS-DILUTED>                                          .64
<YIELD-ACTUAL>                                        3.80
<LOANS-NON>                                         89,000
<LOANS-PAST>                                         1,907
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                          0
<ALLOWANCE-OPEN>                                 3,995,165
<CHARGE-OFFS>                                       41,292
<RECOVERIES>                                        11,600
<ALLOWANCE-CLOSE>                                5,481,473
<ALLOWANCE-DOMESTIC>                             5,481,473
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0