<ARTICLE> 9

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                      14,554,137
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                             2,279,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 39,408,691
<INVESTMENTS-CARRYING>                      10,007,529
<INVESTMENTS-MARKET>                         9,701,256
<LOANS>                                    356,405,776
<ALLOWANCE>                                  4,357,836
<TOTAL-ASSETS>                             460,997,541
<DEPOSITS>                                 382,202,777
<SHORT-TERM>                                 5,386,000
<LIABILITIES-OTHER>                         40,622,251
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        24,798
<OTHER-SE>                                  27,364,677
<TOTAL-LIABILITIES-AND-EQUITY>             472,000,503
<INTEREST-LOAN>                              6,957,118
<INTEREST-INVEST>                            1,048,663
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                             8,005,781
<INTEREST-DEPOSIT>                           3,483,771
<INTEREST-EXPENSE>                             816,109
<INTEREST-INCOME-NET>                        7,189,672
<LOAN-LOSSES>                                   30,000
<SECURITIES-GAINS>                             (31,412)
<EXPENSE-OTHER>                                725,271
<INCOME-PRETAX>                                939,080
<INCOME-PRE-EXTRAORDINARY>                           0
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   678,440
<EPS-BASIC>                                       0.31
<EPS-DILUTED>                                     0.31
<YIELD-ACTUAL>                                    7.65
<LOANS-NON>                                  1,105,700
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             4,325,080
<CHARGE-OFFS>                                        0
<RECOVERIES>                                     4,740
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<ALLOWANCE-DOMESTIC>                         4,357,836
<ALLOWANCE-FOREIGN>                                  0
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