<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM SEPTEMBER
30, 2000 10Q AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL
STATEMENTS.
</LEGEND>

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               SEP-30-2000
<CASH>                                      12,663,782
<INT-BEARING-DEPOSITS>                         500,000
<FED-FUNDS-SOLD>                             5,540,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 70,182,829
<INVESTMENTS-CARRYING>                       8,722,546
<INVESTMENTS-MARKET>                         8,619,831
<LOANS>                                    269,740,236
<ALLOWANCE>                                  4,004,102
<TOTAL-ASSETS>                             380,315,666
<DEPOSITS>                                 299,235,202
<SHORT-TERM>                                28,909,925
<LIABILITIES-OTHER>                          2,730,749
<LONG-TERM>                                 17,000,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                     6,279,456
<OTHER-SE>                                  26,160,334
<TOTAL-LIABILITIES-AND-EQUITY>             380,315,666
<INTEREST-LOAN>                             17,793,049
<INTEREST-INVEST>                            4,014,523
<INTEREST-OTHER>                                     0
<INTEREST-TOTAL>                            21,807,572
<INTEREST-DEPOSIT>                           9,282,424
<INTEREST-EXPENSE>                          10,600,782
<INTEREST-INCOME-NET>                       11,206,790
<LOAN-LOSSES>                                  748,000
<SECURITIES-GAINS>                            (28,517)
<EXPENSE-OTHER>                              8,911,935
<INCOME-PRETAX>                              4,447,107
<INCOME-PRE-EXTRAORDINARY>                   4,447,107
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 2,905,107
<EPS-BASIC>                                       1.39
<EPS-DILUTED>                                     1.39
<YIELD-ACTUAL>                                       0
<LOANS-NON>                                  2,000,000
<LOANS-PAST>                                    31,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                             3,591,613
<CHARGE-OFFS>                                  416,038
<RECOVERIES>                                    80,527
<ALLOWANCE-CLOSE>                            4,004,102
<ALLOWANCE-DOMESTIC>                         4,004,102
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0